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$41,221
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$42,503
−HK$1,303/mo
Today · 4.125%
HK$43,806
baseline
▲ 0.50% · 4.625%
HK$46,471
+HK$2,665/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$87,612/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$677,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,858
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$47,088
−HK$1,247/mo
Today · 4.125%
HK$48,335
baseline
▲ 0.50% · 4.625%
HK$50,883
+HK$2,548/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$96,670/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$677,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,465
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$51,004
−HK$1,563/mo
Today · 4.125%
HK$52,567
baseline
▲ 0.50% · 4.625%
HK$55,766
+HK$3,199/mo
Deposit HK$7.23M · loan HK$10.85M · min. income ≈ HK$105,134/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$677,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,029
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$56,505
−HK$1,498/mo
Today · 4.125%
HK$58,003
baseline
▲ 0.50% · 4.625%
HK$61,060
+HK$3,057/mo
Deposit HK$7.23M · loan HK$10.85M · min. income ≈ HK$116,006/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$677,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,709
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$59,504
−HK$1,824/mo
Today · 4.125%
HK$61,328
baseline
▲ 0.50% · 4.625%
HK$65,060
+HK$3,732/mo
Deposit HK$5.42M · loan HK$12.65M · min. income ≈ HK$122,656/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$677,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,201
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$65,923
−HK$1,747/mo
Today · 4.125%
HK$67,670
baseline
▲ 0.50% · 4.625%
HK$71,237
+HK$3,567/mo
Deposit HK$5.42M · loan HK$12.65M · min. income ≈ HK$135,340/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$677,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,198
−HK$4,653/mo
▼ 0.25% · 3.875%
HK$76,506
−HK$2,345/mo
Today · 4.125%
HK$78,851
baseline
▲ 0.50% · 4.625%
HK$83,648
+HK$4,797/mo
Deposit HK$1.81M · loan HK$16.27M · min. income ≈ HK$157,702/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$677,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,544
−HK$4,460/mo
▼ 0.25% · 3.875%
HK$84,758
−HK$2,246/mo
Today · 4.125%
HK$87,004
baseline
▲ 0.50% · 4.625%
HK$91,590
+HK$4,586/mo
Deposit HK$1.81M · loan HK$16.27M · min. income ≈ HK$174,008/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$677,900 · Scale 2, in force from 26 Feb 2026)