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$41,884
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$43,187
−HK$1,323/mo
Today · 4.125%
HK$44,510
baseline
▲ 0.50% · 4.625%
HK$47,219
+HK$2,709/mo
Deposit HK$9.18M · loan HK$9.18M · min. income ≈ HK$89,020/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$688,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,595
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$47,845
−HK$1,268/mo
Today · 4.125%
HK$49,113
baseline
▲ 0.50% · 4.625%
HK$51,702
+HK$2,589/mo
Deposit HK$9.18M · loan HK$9.18M · min. income ≈ HK$98,226/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$688,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,261
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$51,824
−HK$1,589/mo
Today · 4.125%
HK$53,413
baseline
▲ 0.50% · 4.625%
HK$56,663
+HK$3,250/mo
Deposit HK$7.35M · loan HK$11.02M · min. income ≈ HK$106,826/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$688,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,915
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$57,414
−HK$1,521/mo
Today · 4.125%
HK$58,935
baseline
▲ 0.50% · 4.625%
HK$62,042
+HK$3,107/mo
Deposit HK$7.35M · loan HK$11.02M · min. income ≈ HK$117,870/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$688,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,638
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$60,461
−HK$1,854/mo
Today · 4.125%
HK$62,315
baseline
▲ 0.50% · 4.625%
HK$66,106
+HK$3,791/mo
Deposit HK$5.51M · loan HK$12.86M · min. income ≈ HK$124,630/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$688,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,234
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$66,983
−HK$1,775/mo
Today · 4.125%
HK$68,758
baseline
▲ 0.50% · 4.625%
HK$72,382
+HK$3,624/mo
Deposit HK$5.51M · loan HK$12.86M · min. income ≈ HK$137,516/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$688,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,391
−HK$4,728/mo
▼ 0.25% · 3.875%
HK$77,736
−HK$2,383/mo
Today · 4.125%
HK$80,119
baseline
▲ 0.50% · 4.625%
HK$84,994
+HK$4,875/mo
Deposit HK$1.84M · loan HK$16.53M · min. income ≈ HK$160,238/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$688,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,872
−HK$4,531/mo
▼ 0.25% · 3.875%
HK$86,121
−HK$2,282/mo
Today · 4.125%
HK$88,403
baseline
▲ 0.50% · 4.625%
HK$93,063
+HK$4,660/mo
Deposit HK$1.84M · loan HK$16.53M · min. income ≈ HK$176,806/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$688,804 · Scale 2, in force from 26 Feb 2026)