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$41,930
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$43,234
−HK$1,325/mo
Today · 4.125%
HK$44,559
baseline
▲ 0.50% · 4.625%
HK$47,271
+HK$2,712/mo
Deposit HK$9.19M · loan HK$9.19M · min. income ≈ HK$89,118/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$689,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,647
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$47,898
−HK$1,269/mo
Today · 4.125%
HK$49,167
baseline
▲ 0.50% · 4.625%
HK$51,759
+HK$2,592/mo
Deposit HK$9.19M · loan HK$9.19M · min. income ≈ HK$98,334/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$689,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,316
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$51,881
−HK$1,590/mo
Today · 4.125%
HK$53,471
baseline
▲ 0.50% · 4.625%
HK$56,725
+HK$3,254/mo
Deposit HK$7.36M · loan HK$11.03M · min. income ≈ HK$106,942/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$689,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,976
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$57,477
−HK$1,523/mo
Today · 4.125%
HK$59,000
baseline
▲ 0.50% · 4.625%
HK$62,110
+HK$3,110/mo
Deposit HK$7.36M · loan HK$11.03M · min. income ≈ HK$118,000/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$689,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,702
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$60,528
−HK$1,855/mo
Today · 4.125%
HK$62,383
baseline
▲ 0.50% · 4.625%
HK$66,179
+HK$3,796/mo
Deposit HK$5.52M · loan HK$12.87M · min. income ≈ HK$124,766/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$689,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,305
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$67,057
−HK$1,777/mo
Today · 4.125%
HK$68,834
baseline
▲ 0.50% · 4.625%
HK$72,462
+HK$3,628/mo
Deposit HK$5.52M · loan HK$12.87M · min. income ≈ HK$137,668/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$689,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,474
−HK$4,733/mo
▼ 0.25% · 3.875%
HK$77,822
−HK$2,385/mo
Today · 4.125%
HK$80,207
baseline
▲ 0.50% · 4.625%
HK$85,087
+HK$4,880/mo
Deposit HK$1.84M · loan HK$16.55M · min. income ≈ HK$160,414/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,964
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$86,216
−HK$2,285/mo
Today · 4.125%
HK$88,501
baseline
▲ 0.50% · 4.625%
HK$93,166
+HK$4,665/mo
Deposit HK$1.84M · loan HK$16.55M · min. income ≈ HK$177,002/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,562 · Scale 2, in force from 26 Feb 2026)