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$41,935
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$43,239
−HK$1,326/mo
Today · 4.125%
HK$44,565
baseline
▲ 0.50% · 4.625%
HK$47,276
+HK$2,711/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$89,130/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$689,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,652
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$47,903
−HK$1,270/mo
Today · 4.125%
HK$49,173
baseline
▲ 0.50% · 4.625%
HK$51,765
+HK$2,592/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$98,346/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$689,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,322
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$51,887
−HK$1,591/mo
Today · 4.125%
HK$53,478
baseline
▲ 0.50% · 4.625%
HK$56,732
+HK$3,254/mo
Deposit HK$7.36M · loan HK$11.03M · min. income ≈ HK$106,956/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$689,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,983
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$57,484
−HK$1,523/mo
Today · 4.125%
HK$59,007
baseline
▲ 0.50% · 4.625%
HK$62,118
+HK$3,111/mo
Deposit HK$7.36M · loan HK$11.03M · min. income ≈ HK$118,014/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$689,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,709
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$60,535
−HK$1,856/mo
Today · 4.125%
HK$62,391
baseline
▲ 0.50% · 4.625%
HK$66,187
+HK$3,796/mo
Deposit HK$5.52M · loan HK$12.87M · min. income ≈ HK$124,782/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$689,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,313
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$67,065
−HK$1,777/mo
Today · 4.125%
HK$68,842
baseline
▲ 0.50% · 4.625%
HK$72,471
+HK$3,629/mo
Deposit HK$5.52M · loan HK$12.87M · min. income ≈ HK$137,684/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$689,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,483
−HK$4,734/mo
▼ 0.25% · 3.875%
HK$77,831
−HK$2,386/mo
Today · 4.125%
HK$80,217
baseline
▲ 0.50% · 4.625%
HK$85,098
+HK$4,881/mo
Deposit HK$1.84M · loan HK$16.55M · min. income ≈ HK$160,434/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,974
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$86,226
−HK$2,285/mo
Today · 4.125%
HK$88,511
baseline
▲ 0.50% · 4.625%
HK$93,177
+HK$4,666/mo
Deposit HK$1.84M · loan HK$16.55M · min. income ≈ HK$177,022/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,644 · Scale 2, in force from 26 Feb 2026)