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$41,269
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,553
−HK$1,304/mo
Today · 4.125%
HK$43,857
baseline
▲ 0.50% · 4.625%
HK$46,526
+HK$2,669/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$87,714/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$678,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,912
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,143
−HK$1,249/mo
Today · 4.125%
HK$48,392
baseline
▲ 0.50% · 4.625%
HK$50,943
+HK$2,551/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$96,784/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$678,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,523
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$51,064
−HK$1,565/mo
Today · 4.125%
HK$52,629
baseline
▲ 0.50% · 4.625%
HK$55,831
+HK$3,202/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$105,258/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$678,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,094
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$56,571
−HK$1,499/mo
Today · 4.125%
HK$58,070
baseline
▲ 0.50% · 4.625%
HK$61,131
+HK$3,061/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$116,140/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$678,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,777
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$59,574
−HK$1,826/mo
Today · 4.125%
HK$61,400
baseline
▲ 0.50% · 4.625%
HK$65,136
+HK$3,736/mo
Deposit HK$5.43M · loan HK$12.67M · min. income ≈ HK$122,800/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,276
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$66,000
−HK$1,749/mo
Today · 4.125%
HK$67,749
baseline
▲ 0.50% · 4.625%
HK$71,320
+HK$3,571/mo
Deposit HK$5.43M · loan HK$12.67M · min. income ≈ HK$135,498/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,285
−HK$4,658/mo
▼ 0.25% · 3.875%
HK$76,595
−HK$2,348/mo
Today · 4.125%
HK$78,943
baseline
▲ 0.50% · 4.625%
HK$83,746
+HK$4,803/mo
Deposit HK$1.81M · loan HK$16.29M · min. income ≈ HK$157,886/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,641
−HK$4,465/mo
▼ 0.25% · 3.875%
HK$84,857
−HK$2,249/mo
Today · 4.125%
HK$87,106
baseline
▲ 0.50% · 4.625%
HK$91,697
+HK$4,591/mo
Deposit HK$1.81M · loan HK$16.29M · min. income ≈ HK$174,212/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,694 · Scale 2, in force from 26 Feb 2026)