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$41,886
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$43,189
−HK$1,324/mo
Today · 4.125%
HK$44,513
baseline
▲ 0.50% · 4.625%
HK$47,221
+HK$2,708/mo
Deposit HK$9.18M · loan HK$9.18M · min. income ≈ HK$89,026/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$688,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,598
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$47,848
−HK$1,268/mo
Today · 4.125%
HK$49,116
baseline
▲ 0.50% · 4.625%
HK$51,705
+HK$2,589/mo
Deposit HK$9.18M · loan HK$9.18M · min. income ≈ HK$98,232/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$688,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,264
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$51,827
−HK$1,589/mo
Today · 4.125%
HK$53,416
baseline
▲ 0.50% · 4.625%
HK$56,666
+HK$3,250/mo
Deposit HK$7.35M · loan HK$11.02M · min. income ≈ HK$106,832/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$688,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,918
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$57,417
−HK$1,522/mo
Today · 4.125%
HK$58,939
baseline
▲ 0.50% · 4.625%
HK$62,046
+HK$3,107/mo
Deposit HK$7.35M · loan HK$11.02M · min. income ≈ HK$117,878/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$688,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,641
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$60,465
−HK$1,853/mo
Today · 4.125%
HK$62,318
baseline
▲ 0.50% · 4.625%
HK$66,110
+HK$3,792/mo
Deposit HK$5.51M · loan HK$12.86M · min. income ≈ HK$124,636/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$688,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,237
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$66,987
−HK$1,775/mo
Today · 4.125%
HK$68,762
baseline
▲ 0.50% · 4.625%
HK$72,386
+HK$3,624/mo
Deposit HK$5.51M · loan HK$12.86M · min. income ≈ HK$137,524/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$688,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,395
−HK$4,728/mo
▼ 0.25% · 3.875%
HK$77,741
−HK$2,382/mo
Today · 4.125%
HK$80,123
baseline
▲ 0.50% · 4.625%
HK$84,999
+HK$4,876/mo
Deposit HK$1.84M · loan HK$16.53M · min. income ≈ HK$160,246/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$688,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,877
−HK$4,531/mo
▼ 0.25% · 3.875%
HK$86,126
−HK$2,282/mo
Today · 4.125%
HK$88,408
baseline
▲ 0.50% · 4.625%
HK$93,068
+HK$4,660/mo
Deposit HK$1.84M · loan HK$16.53M · min. income ≈ HK$176,816/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$688,842 · Scale 2, in force from 26 Feb 2026)