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$41,563
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$42,856
−HK$1,313/mo
Today · 4.125%
HK$44,169
baseline
▲ 0.50% · 4.625%
HK$46,857
+HK$2,688/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$88,338/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$683,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,238
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$47,478
−HK$1,258/mo
Today · 4.125%
HK$48,736
baseline
▲ 0.50% · 4.625%
HK$51,305
+HK$2,569/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$97,472/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$683,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,875
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$51,427
−HK$1,576/mo
Today · 4.125%
HK$53,003
baseline
▲ 0.50% · 4.625%
HK$56,228
+HK$3,225/mo
Deposit HK$7.29M · loan HK$10.94M · min. income ≈ HK$106,006/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$683,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,486
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$56,974
−HK$1,510/mo
Today · 4.125%
HK$58,484
baseline
▲ 0.50% · 4.625%
HK$61,566
+HK$3,082/mo
Deposit HK$7.29M · loan HK$10.94M · min. income ≈ HK$116,968/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$683,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,188
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$59,998
−HK$1,839/mo
Today · 4.125%
HK$61,837
baseline
▲ 0.50% · 4.625%
HK$65,599
+HK$3,762/mo
Deposit HK$5.47M · loan HK$12.76M · min. income ≈ HK$123,674/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,733
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$66,470
−HK$1,761/mo
Today · 4.125%
HK$68,231
baseline
▲ 0.50% · 4.625%
HK$71,827
+HK$3,596/mo
Deposit HK$5.47M · loan HK$12.76M · min. income ≈ HK$136,462/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,813
−HK$4,691/mo
▼ 0.25% · 3.875%
HK$77,140
−HK$2,364/mo
Today · 4.125%
HK$79,504
baseline
▲ 0.50% · 4.625%
HK$84,342
+HK$4,838/mo
Deposit HK$1.82M · loan HK$16.40M · min. income ≈ HK$159,008/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,229
−HK$4,496/mo
▼ 0.25% · 3.875%
HK$85,461
−HK$2,264/mo
Today · 4.125%
HK$87,725
baseline
▲ 0.50% · 4.625%
HK$92,349
+HK$4,624/mo
Deposit HK$1.82M · loan HK$16.40M · min. income ≈ HK$175,450/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,522 · Scale 2, in force from 26 Feb 2026)