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$41,561
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$42,854
−HK$1,313/mo
Today · 4.125%
HK$44,167
baseline
▲ 0.50% · 4.625%
HK$46,855
+HK$2,688/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$88,334/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$683,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,236
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$47,476
−HK$1,258/mo
Today · 4.125%
HK$48,734
baseline
▲ 0.50% · 4.625%
HK$51,303
+HK$2,569/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$97,468/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$683,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,873
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$51,424
−HK$1,577/mo
Today · 4.125%
HK$53,001
baseline
▲ 0.50% · 4.625%
HK$56,226
+HK$3,225/mo
Deposit HK$7.29M · loan HK$10.94M · min. income ≈ HK$106,002/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$683,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,483
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$56,971
−HK$1,510/mo
Today · 4.125%
HK$58,481
baseline
▲ 0.50% · 4.625%
HK$61,564
+HK$3,083/mo
Deposit HK$7.29M · loan HK$10.94M · min. income ≈ HK$116,962/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$683,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,185
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$59,995
−HK$1,839/mo
Today · 4.125%
HK$61,834
baseline
▲ 0.50% · 4.625%
HK$65,596
+HK$3,762/mo
Deposit HK$5.47M · loan HK$12.76M · min. income ≈ HK$123,668/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,731
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$66,467
−HK$1,761/mo
Today · 4.125%
HK$68,228
baseline
▲ 0.50% · 4.625%
HK$71,824
+HK$3,596/mo
Deposit HK$5.47M · loan HK$12.76M · min. income ≈ HK$136,456/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,810
−HK$4,691/mo
▼ 0.25% · 3.875%
HK$77,137
−HK$2,364/mo
Today · 4.125%
HK$79,501
baseline
▲ 0.50% · 4.625%
HK$84,338
+HK$4,837/mo
Deposit HK$1.82M · loan HK$16.40M · min. income ≈ HK$159,002/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,225
−HK$4,496/mo
▼ 0.25% · 3.875%
HK$85,457
−HK$2,264/mo
Today · 4.125%
HK$87,721
baseline
▲ 0.50% · 4.625%
HK$92,345
+HK$4,624/mo
Deposit HK$1.82M · loan HK$16.40M · min. income ≈ HK$175,442/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,492 · Scale 2, in force from 26 Feb 2026)