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$41,565
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$42,858
−HK$1,314/mo
Today · 4.125%
HK$44,172
baseline
▲ 0.50% · 4.625%
HK$46,859
+HK$2,687/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$88,344/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$683,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,241
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$47,481
−HK$1,258/mo
Today · 4.125%
HK$48,739
baseline
▲ 0.50% · 4.625%
HK$51,308
+HK$2,569/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$97,478/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$683,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,878
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$51,430
−HK$1,576/mo
Today · 4.125%
HK$53,006
baseline
▲ 0.50% · 4.625%
HK$56,231
+HK$3,225/mo
Deposit HK$7.29M · loan HK$10.94M · min. income ≈ HK$106,012/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$683,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,489
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$56,977
−HK$1,510/mo
Today · 4.125%
HK$58,487
baseline
▲ 0.50% · 4.625%
HK$61,570
+HK$3,083/mo
Deposit HK$7.29M · loan HK$10.94M · min. income ≈ HK$116,974/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$683,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,191
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$60,001
−HK$1,839/mo
Today · 4.125%
HK$61,840
baseline
▲ 0.50% · 4.625%
HK$65,603
+HK$3,763/mo
Deposit HK$5.47M · loan HK$12.76M · min. income ≈ HK$123,680/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,737
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$66,473
−HK$1,762/mo
Today · 4.125%
HK$68,235
baseline
▲ 0.50% · 4.625%
HK$71,832
+HK$3,597/mo
Deposit HK$5.47M · loan HK$12.76M · min. income ≈ HK$136,470/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,817
−HK$4,692/mo
▼ 0.25% · 3.875%
HK$77,145
−HK$2,364/mo
Today · 4.125%
HK$79,509
baseline
▲ 0.50% · 4.625%
HK$84,347
+HK$4,838/mo
Deposit HK$1.82M · loan HK$16.41M · min. income ≈ HK$159,018/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,234
−HK$4,496/mo
▼ 0.25% · 3.875%
HK$85,466
−HK$2,264/mo
Today · 4.125%
HK$87,730
baseline
▲ 0.50% · 4.625%
HK$92,355
+HK$4,625/mo
Deposit HK$1.82M · loan HK$16.41M · min. income ≈ HK$175,460/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,562 · Scale 2, in force from 26 Feb 2026)