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$41,514
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$42,806
−HK$1,312/mo
Today · 4.125%
HK$44,118
baseline
▲ 0.50% · 4.625%
HK$46,802
+HK$2,684/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$88,236/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$682,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,184
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$47,423
−HK$1,257/mo
Today · 4.125%
HK$48,680
baseline
▲ 0.50% · 4.625%
HK$51,246
+HK$2,566/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$97,360/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$682,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,817
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$51,367
−HK$1,574/mo
Today · 4.125%
HK$52,941
baseline
▲ 0.50% · 4.625%
HK$56,163
+HK$3,222/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$105,882/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$682,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,421
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$56,908
−HK$1,508/mo
Today · 4.125%
HK$58,416
baseline
▲ 0.50% · 4.625%
HK$61,495
+HK$3,079/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$116,832/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$682,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,120
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$59,928
−HK$1,837/mo
Today · 4.125%
HK$61,765
baseline
▲ 0.50% · 4.625%
HK$65,523
+HK$3,758/mo
Deposit HK$5.46M · loan HK$12.74M · min. income ≈ HK$123,530/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,658
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$66,392
−HK$1,759/mo
Today · 4.125%
HK$68,151
baseline
▲ 0.50% · 4.625%
HK$71,744
+HK$3,593/mo
Deposit HK$5.46M · loan HK$12.74M · min. income ≈ HK$136,302/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,726
−HK$4,686/mo
▼ 0.25% · 3.875%
HK$77,050
−HK$2,362/mo
Today · 4.125%
HK$79,412
baseline
▲ 0.50% · 4.625%
HK$84,244
+HK$4,832/mo
Deposit HK$1.82M · loan HK$16.39M · min. income ≈ HK$158,824/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,132
−HK$4,491/mo
▼ 0.25% · 3.875%
HK$85,361
−HK$2,262/mo
Today · 4.125%
HK$87,623
baseline
▲ 0.50% · 4.625%
HK$92,242
+HK$4,619/mo
Deposit HK$1.82M · loan HK$16.39M · min. income ≈ HK$175,246/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,727 · Scale 2, in force from 26 Feb 2026)