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$41,516
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$42,808
−HK$1,312/mo
Today · 4.125%
HK$44,120
baseline
▲ 0.50% · 4.625%
HK$46,804
+HK$2,684/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$88,240/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$682,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,186
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$47,425
−HK$1,257/mo
Today · 4.125%
HK$48,682
baseline
▲ 0.50% · 4.625%
HK$51,248
+HK$2,566/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$97,364/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$682,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,819
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$51,369
−HK$1,574/mo
Today · 4.125%
HK$52,943
baseline
▲ 0.50% · 4.625%
HK$56,165
+HK$3,222/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$105,886/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$682,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,424
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$56,910
−HK$1,508/mo
Today · 4.125%
HK$58,418
baseline
▲ 0.50% · 4.625%
HK$61,497
+HK$3,079/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$116,836/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$682,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,123
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$59,931
−HK$1,836/mo
Today · 4.125%
HK$61,767
baseline
▲ 0.50% · 4.625%
HK$65,526
+HK$3,759/mo
Deposit HK$5.46M · loan HK$12.74M · min. income ≈ HK$123,534/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,661
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$66,395
−HK$1,759/mo
Today · 4.125%
HK$68,154
baseline
▲ 0.50% · 4.625%
HK$71,747
+HK$3,593/mo
Deposit HK$5.46M · loan HK$12.74M · min. income ≈ HK$136,308/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,729
−HK$4,686/mo
▼ 0.25% · 3.875%
HK$77,054
−HK$2,361/mo
Today · 4.125%
HK$79,415
baseline
▲ 0.50% · 4.625%
HK$84,247
+HK$4,832/mo
Deposit HK$1.82M · loan HK$16.39M · min. income ≈ HK$158,830/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,135
−HK$4,492/mo
▼ 0.25% · 3.875%
HK$85,365
−HK$2,262/mo
Today · 4.125%
HK$87,627
baseline
▲ 0.50% · 4.625%
HK$92,246
+HK$4,619/mo
Deposit HK$1.82M · loan HK$16.39M · min. income ≈ HK$175,254/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,755 · Scale 2, in force from 26 Feb 2026)