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$41,259
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,543
−HK$1,304/mo
Today · 4.125%
HK$43,847
baseline
▲ 0.50% · 4.625%
HK$46,515
+HK$2,668/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$87,694/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$678,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,901
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,132
−HK$1,249/mo
Today · 4.125%
HK$48,381
baseline
▲ 0.50% · 4.625%
HK$50,931
+HK$2,550/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$96,762/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$678,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,511
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$51,051
−HK$1,565/mo
Today · 4.125%
HK$52,616
baseline
▲ 0.50% · 4.625%
HK$55,818
+HK$3,202/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$105,232/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$678,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,081
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$56,558
−HK$1,499/mo
Today · 4.125%
HK$58,057
baseline
▲ 0.50% · 4.625%
HK$61,117
+HK$3,060/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$116,114/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$678,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,763
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$59,560
−HK$1,825/mo
Today · 4.125%
HK$61,385
baseline
▲ 0.50% · 4.625%
HK$65,121
+HK$3,736/mo
Deposit HK$5.43M · loan HK$12.67M · min. income ≈ HK$122,770/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,261
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$65,984
−HK$1,749/mo
Today · 4.125%
HK$67,733
baseline
▲ 0.50% · 4.625%
HK$71,303
+HK$3,570/mo
Deposit HK$5.43M · loan HK$12.67M · min. income ≈ HK$135,466/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,267
−HK$4,657/mo
▼ 0.25% · 3.875%
HK$76,577
−HK$2,347/mo
Today · 4.125%
HK$78,924
baseline
▲ 0.50% · 4.625%
HK$83,727
+HK$4,803/mo
Deposit HK$1.81M · loan HK$16.28M · min. income ≈ HK$157,848/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,621
−HK$4,464/mo
▼ 0.25% · 3.875%
HK$84,837
−HK$2,248/mo
Today · 4.125%
HK$87,085
baseline
▲ 0.50% · 4.625%
HK$91,675
+HK$4,590/mo
Deposit HK$1.81M · loan HK$16.28M · min. income ≈ HK$174,170/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,534 · Scale 2, in force from 26 Feb 2026)