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$41,600
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$42,894
−HK$1,315/mo
Today · 4.125%
HK$44,209
baseline
▲ 0.50% · 4.625%
HK$46,899
+HK$2,690/mo
Deposit HK$9.12M · loan HK$9.12M · min. income ≈ HK$88,418/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$684,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,280
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$47,521
−HK$1,259/mo
Today · 4.125%
HK$48,780
baseline
▲ 0.50% · 4.625%
HK$51,352
+HK$2,572/mo
Deposit HK$9.12M · loan HK$9.12M · min. income ≈ HK$97,560/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$684,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,920
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$51,473
−HK$1,578/mo
Today · 4.125%
HK$53,051
baseline
▲ 0.50% · 4.625%
HK$56,279
+HK$3,228/mo
Deposit HK$7.30M · loan HK$10.95M · min. income ≈ HK$106,102/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$684,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,536
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$57,025
−HK$1,511/mo
Today · 4.125%
HK$58,536
baseline
▲ 0.50% · 4.625%
HK$61,622
+HK$3,086/mo
Deposit HK$7.30M · loan HK$10.95M · min. income ≈ HK$117,072/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$684,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,240
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$60,052
−HK$1,841/mo
Today · 4.125%
HK$61,893
baseline
▲ 0.50% · 4.625%
HK$65,659
+HK$3,766/mo
Deposit HK$5.47M · loan HK$12.77M · min. income ≈ HK$123,786/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,792
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$66,530
−HK$1,762/mo
Today · 4.125%
HK$68,292
baseline
▲ 0.50% · 4.625%
HK$71,892
+HK$3,600/mo
Deposit HK$5.47M · loan HK$12.77M · min. income ≈ HK$136,584/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,881
−HK$4,695/mo
▼ 0.25% · 3.875%
HK$77,210
−HK$2,366/mo
Today · 4.125%
HK$79,576
baseline
▲ 0.50% · 4.625%
HK$84,418
+HK$4,842/mo
Deposit HK$1.82M · loan HK$16.42M · min. income ≈ HK$159,152/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,304
−HK$4,501/mo
▼ 0.25% · 3.875%
HK$85,538
−HK$2,267/mo
Today · 4.125%
HK$87,805
baseline
▲ 0.50% · 4.625%
HK$92,433
+HK$4,628/mo
Deposit HK$1.82M · loan HK$16.42M · min. income ≈ HK$175,610/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,139 · Scale 2, in force from 26 Feb 2026)