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$41,848
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$43,150
−HK$1,323/mo
Today · 4.125%
HK$44,473
baseline
▲ 0.50% · 4.625%
HK$47,179
+HK$2,706/mo
Deposit HK$9.18M · loan HK$9.18M · min. income ≈ HK$88,946/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$688,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,556
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$47,804
−HK$1,267/mo
Today · 4.125%
HK$49,071
baseline
▲ 0.50% · 4.625%
HK$51,658
+HK$2,587/mo
Deposit HK$9.18M · loan HK$9.18M · min. income ≈ HK$98,142/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$688,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,218
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$51,780
−HK$1,587/mo
Today · 4.125%
HK$53,367
baseline
▲ 0.50% · 4.625%
HK$56,614
+HK$3,247/mo
Deposit HK$7.34M · loan HK$11.01M · min. income ≈ HK$106,734/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$688,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,867
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$57,365
−HK$1,520/mo
Today · 4.125%
HK$58,885
baseline
▲ 0.50% · 4.625%
HK$61,989
+HK$3,104/mo
Deposit HK$7.34M · loan HK$11.01M · min. income ≈ HK$117,770/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$688,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,588
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$60,410
−HK$1,852/mo
Today · 4.125%
HK$62,262
baseline
▲ 0.50% · 4.625%
HK$66,050
+HK$3,788/mo
Deposit HK$5.51M · loan HK$12.85M · min. income ≈ HK$124,524/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$688,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,178
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$66,926
−HK$1,773/mo
Today · 4.125%
HK$68,699
baseline
▲ 0.50% · 4.625%
HK$72,321
+HK$3,622/mo
Deposit HK$5.51M · loan HK$12.85M · min. income ≈ HK$137,398/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$688,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,327
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$77,670
−HK$2,381/mo
Today · 4.125%
HK$80,051
baseline
▲ 0.50% · 4.625%
HK$84,921
+HK$4,870/mo
Deposit HK$1.84M · loan HK$16.52M · min. income ≈ HK$160,102/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$688,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,800
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$86,048
−HK$2,280/mo
Today · 4.125%
HK$88,328
baseline
▲ 0.50% · 4.625%
HK$92,984
+HK$4,656/mo
Deposit HK$1.84M · loan HK$16.52M · min. income ≈ HK$176,656/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$688,217 · Scale 2, in force from 26 Feb 2026)