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$41,332
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$42,618
−HK$1,306/mo
Today · 4.125%
HK$43,924
baseline
▲ 0.50% · 4.625%
HK$46,597
+HK$2,673/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$87,848/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,982
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$47,215
−HK$1,251/mo
Today · 4.125%
HK$48,466
baseline
▲ 0.50% · 4.625%
HK$51,020
+HK$2,554/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$96,932/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,598
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$51,141
−HK$1,568/mo
Today · 4.125%
HK$52,709
baseline
▲ 0.50% · 4.625%
HK$55,916
+HK$3,207/mo
Deposit HK$7.25M · loan HK$10.88M · min. income ≈ HK$105,418/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,178
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$56,658
−HK$1,501/mo
Today · 4.125%
HK$58,159
baseline
▲ 0.50% · 4.625%
HK$61,225
+HK$3,066/mo
Deposit HK$7.25M · loan HK$10.88M · min. income ≈ HK$116,318/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,865
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$59,665
−HK$1,829/mo
Today · 4.125%
HK$61,494
baseline
▲ 0.50% · 4.625%
HK$65,235
+HK$3,741/mo
Deposit HK$5.44M · loan HK$12.69M · min. income ≈ HK$122,988/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$679,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,374
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$66,101
−HK$1,751/mo
Today · 4.125%
HK$67,852
baseline
▲ 0.50% · 4.625%
HK$71,429
+HK$3,577/mo
Deposit HK$5.44M · loan HK$12.69M · min. income ≈ HK$135,704/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$679,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,398
−HK$4,665/mo
▼ 0.25% · 3.875%
HK$76,712
−HK$2,351/mo
Today · 4.125%
HK$79,063
baseline
▲ 0.50% · 4.625%
HK$83,874
+HK$4,811/mo
Deposit HK$1.81M · loan HK$16.31M · min. income ≈ HK$158,126/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,767
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$84,986
−HK$2,252/mo
Today · 4.125%
HK$87,238
baseline
▲ 0.50% · 4.625%
HK$91,837
+HK$4,599/mo
Deposit HK$1.81M · loan HK$16.31M · min. income ≈ HK$174,476/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,728 · Scale 2, in force from 26 Feb 2026)