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$40,066
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$41,312
−HK$1,266/mo
Today · 4.125%
HK$42,578
baseline
▲ 0.50% · 4.625%
HK$45,169
+HK$2,591/mo
Deposit HK$8.79M · loan HK$8.79M · min. income ≈ HK$85,156/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,573
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$45,768
−HK$1,213/mo
Today · 4.125%
HK$46,981
baseline
▲ 0.50% · 4.625%
HK$49,457
+HK$2,476/mo
Deposit HK$8.79M · loan HK$8.79M · min. income ≈ HK$93,962/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,079
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$49,574
−HK$1,520/mo
Today · 4.125%
HK$51,094
baseline
▲ 0.50% · 4.625%
HK$54,203
+HK$3,109/mo
Deposit HK$7.03M · loan HK$10.54M · min. income ≈ HK$102,188/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$658,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,487
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$54,922
−HK$1,455/mo
Today · 4.125%
HK$56,377
baseline
▲ 0.50% · 4.625%
HK$59,349
+HK$2,972/mo
Deposit HK$7.03M · loan HK$10.54M · min. income ≈ HK$112,754/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$658,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,092
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$57,837
−HK$1,772/mo
Today · 4.125%
HK$59,609
baseline
▲ 0.50% · 4.625%
HK$63,236
+HK$3,627/mo
Deposit HK$5.27M · loan HK$12.30M · min. income ≈ HK$119,218/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,402
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$64,075
−HK$1,698/mo
Today · 4.125%
HK$65,773
baseline
▲ 0.50% · 4.625%
HK$69,240
+HK$3,467/mo
Deposit HK$5.27M · loan HK$12.30M · min. income ≈ HK$131,546/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,118
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$74,361
−HK$2,280/mo
Today · 4.125%
HK$76,641
baseline
▲ 0.50% · 4.625%
HK$81,304
+HK$4,663/mo
Deposit HK$1.76M · loan HK$15.81M · min. income ≈ HK$153,282/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$658,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,231
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$82,382
−HK$2,183/mo
Today · 4.125%
HK$84,565
baseline
▲ 0.50% · 4.625%
HK$89,023
+HK$4,458/mo
Deposit HK$1.76M · loan HK$15.81M · min. income ≈ HK$169,130/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$658,900 · Scale 2, in force from 26 Feb 2026)