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$41,644
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$42,939
−HK$1,316/mo
Today · 4.125%
HK$44,255
baseline
▲ 0.50% · 4.625%
HK$46,948
+HK$2,693/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$88,510/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$684,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,328
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$47,571
−HK$1,260/mo
Today · 4.125%
HK$48,831
baseline
▲ 0.50% · 4.625%
HK$51,405
+HK$2,574/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$97,662/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$684,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,973
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$51,527
−HK$1,579/mo
Today · 4.125%
HK$53,106
baseline
▲ 0.50% · 4.625%
HK$56,338
+HK$3,232/mo
Deposit HK$7.31M · loan HK$10.96M · min. income ≈ HK$106,212/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$684,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,594
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$57,085
−HK$1,513/mo
Today · 4.125%
HK$58,598
baseline
▲ 0.50% · 4.625%
HK$61,686
+HK$3,088/mo
Deposit HK$7.31M · loan HK$10.96M · min. income ≈ HK$117,196/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$684,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,301
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$60,115
−HK$1,842/mo
Today · 4.125%
HK$61,957
baseline
▲ 0.50% · 4.625%
HK$65,727
+HK$3,770/mo
Deposit HK$5.48M · loan HK$12.78M · min. income ≈ HK$123,914/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,860
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$66,599
−HK$1,765/mo
Today · 4.125%
HK$68,364
baseline
▲ 0.50% · 4.625%
HK$71,967
+HK$3,603/mo
Deposit HK$5.48M · loan HK$12.78M · min. income ≈ HK$136,728/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,959
−HK$4,701/mo
▼ 0.25% · 3.875%
HK$77,291
−HK$2,369/mo
Today · 4.125%
HK$79,660
baseline
▲ 0.50% · 4.625%
HK$84,507
+HK$4,847/mo
Deposit HK$1.83M · loan HK$16.44M · min. income ≈ HK$159,320/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,391
−HK$4,505/mo
▼ 0.25% · 3.875%
HK$85,628
−HK$2,268/mo
Today · 4.125%
HK$87,896
baseline
▲ 0.50% · 4.625%
HK$92,530
+HK$4,634/mo
Deposit HK$1.83M · loan HK$16.44M · min. income ≈ HK$175,792/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,856 · Scale 2, in force from 26 Feb 2026)