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$41,591
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$42,884
−HK$1,315/mo
Today · 4.125%
HK$44,199
baseline
▲ 0.50% · 4.625%
HK$46,888
+HK$2,689/mo
Deposit HK$9.12M · loan HK$9.12M · min. income ≈ HK$88,398/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$683,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,269
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$47,510
−HK$1,259/mo
Today · 4.125%
HK$48,769
baseline
▲ 0.50% · 4.625%
HK$51,340
+HK$2,571/mo
Deposit HK$9.12M · loan HK$9.12M · min. income ≈ HK$97,538/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$683,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,909
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$51,461
−HK$1,578/mo
Today · 4.125%
HK$53,039
baseline
▲ 0.50% · 4.625%
HK$56,266
+HK$3,227/mo
Deposit HK$7.30M · loan HK$10.94M · min. income ≈ HK$106,078/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$683,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,523
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$57,012
−HK$1,511/mo
Today · 4.125%
HK$58,523
baseline
▲ 0.50% · 4.625%
HK$61,608
+HK$3,085/mo
Deposit HK$7.30M · loan HK$10.94M · min. income ≈ HK$117,046/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$683,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,227
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$60,038
−HK$1,840/mo
Today · 4.125%
HK$61,878
baseline
▲ 0.50% · 4.625%
HK$65,643
+HK$3,765/mo
Deposit HK$5.47M · loan HK$12.77M · min. income ≈ HK$123,756/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$683,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,777
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$66,514
−HK$1,763/mo
Today · 4.125%
HK$68,277
baseline
▲ 0.50% · 4.625%
HK$71,876
+HK$3,599/mo
Deposit HK$5.47M · loan HK$12.77M · min. income ≈ HK$136,554/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$683,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,863
−HK$4,695/mo
▼ 0.25% · 3.875%
HK$77,192
−HK$2,366/mo
Today · 4.125%
HK$79,558
baseline
▲ 0.50% · 4.625%
HK$84,399
+HK$4,841/mo
Deposit HK$1.82M · loan HK$16.42M · min. income ≈ HK$159,116/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,285
−HK$4,499/mo
▼ 0.25% · 3.875%
HK$85,518
−HK$2,266/mo
Today · 4.125%
HK$87,784
baseline
▲ 0.50% · 4.625%
HK$92,411
+HK$4,627/mo
Deposit HK$1.82M · loan HK$16.42M · min. income ≈ HK$175,568/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,981 · Scale 2, in force from 26 Feb 2026)