The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$41,531
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$42,823
−HK$1,312/mo
Today · 4.125%
HK$44,135
baseline
▲ 0.50% · 4.625%
HK$46,821
+HK$2,686/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$88,270/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$682,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,203
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$47,442
−HK$1,257/mo
Today · 4.125%
HK$48,699
baseline
▲ 0.50% · 4.625%
HK$51,266
+HK$2,567/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$97,398/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$682,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,837
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$51,387
−HK$1,575/mo
Today · 4.125%
HK$52,962
baseline
▲ 0.50% · 4.625%
HK$56,185
+HK$3,223/mo
Deposit HK$7.29M · loan HK$10.93M · min. income ≈ HK$105,924/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$682,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,443
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$56,930
−HK$1,508/mo
Today · 4.125%
HK$58,438
baseline
▲ 0.50% · 4.625%
HK$61,519
+HK$3,081/mo
Deposit HK$7.29M · loan HK$10.93M · min. income ≈ HK$116,876/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$682,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,143
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$59,952
−HK$1,837/mo
Today · 4.125%
HK$61,789
baseline
▲ 0.50% · 4.625%
HK$65,549
+HK$3,760/mo
Deposit HK$5.46M · loan HK$12.75M · min. income ≈ HK$123,578/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$682,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,684
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$66,418
−HK$1,760/mo
Today · 4.125%
HK$68,178
baseline
▲ 0.50% · 4.625%
HK$71,772
+HK$3,594/mo
Deposit HK$5.46M · loan HK$12.75M · min. income ≈ HK$136,356/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$682,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,755
−HK$4,688/mo
▼ 0.25% · 3.875%
HK$77,081
−HK$2,362/mo
Today · 4.125%
HK$79,443
baseline
▲ 0.50% · 4.625%
HK$84,277
+HK$4,834/mo
Deposit HK$1.82M · loan HK$16.39M · min. income ≈ HK$158,886/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,165
−HK$4,493/mo
▼ 0.25% · 3.875%
HK$85,395
−HK$2,263/mo
Today · 4.125%
HK$87,658
baseline
▲ 0.50% · 4.625%
HK$92,278
+HK$4,620/mo
Deposit HK$1.82M · loan HK$16.39M · min. income ≈ HK$175,316/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,995 · Scale 2, in force from 26 Feb 2026)