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$41,735
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$43,033
−HK$1,319/mo
Today · 4.125%
HK$44,352
baseline
▲ 0.50% · 4.625%
HK$47,051
+HK$2,699/mo
Deposit HK$9.15M · loan HK$9.15M · min. income ≈ HK$88,704/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$686,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,430
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$47,675
−HK$1,263/mo
Today · 4.125%
HK$48,938
baseline
▲ 0.50% · 4.625%
HK$51,518
+HK$2,580/mo
Deposit HK$9.15M · loan HK$9.15M · min. income ≈ HK$97,876/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$686,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,082
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$51,640
−HK$1,583/mo
Today · 4.125%
HK$53,223
baseline
▲ 0.50% · 4.625%
HK$56,461
+HK$3,238/mo
Deposit HK$7.32M · loan HK$10.98M · min. income ≈ HK$106,446/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,716
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$57,210
−HK$1,516/mo
Today · 4.125%
HK$58,726
baseline
▲ 0.50% · 4.625%
HK$61,822
+HK$3,096/mo
Deposit HK$7.32M · loan HK$10.98M · min. income ≈ HK$117,452/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,429
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$60,247
−HK$1,846/mo
Today · 4.125%
HK$62,093
baseline
▲ 0.50% · 4.625%
HK$65,871
+HK$3,778/mo
Deposit HK$5.49M · loan HK$12.81M · min. income ≈ HK$124,186/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,002
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$66,745
−HK$1,769/mo
Today · 4.125%
HK$68,514
baseline
▲ 0.50% · 4.625%
HK$72,125
+HK$3,611/mo
Deposit HK$5.49M · loan HK$12.81M · min. income ≈ HK$137,028/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,123
−HK$4,711/mo
▼ 0.25% · 3.875%
HK$77,460
−HK$2,374/mo
Today · 4.125%
HK$79,834
baseline
▲ 0.50% · 4.625%
HK$84,692
+HK$4,858/mo
Deposit HK$1.83M · loan HK$16.47M · min. income ≈ HK$159,668/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,574
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$85,815
−HK$2,274/mo
Today · 4.125%
HK$88,089
baseline
▲ 0.50% · 4.625%
HK$92,732
+HK$4,643/mo
Deposit HK$1.83M · loan HK$16.47M · min. income ≈ HK$176,178/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,356 · Scale 2, in force from 26 Feb 2026)