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$41,891
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$43,194
−HK$1,324/mo
Today · 4.125%
HK$44,518
baseline
▲ 0.50% · 4.625%
HK$47,227
+HK$2,709/mo
Deposit HK$9.19M · loan HK$9.19M · min. income ≈ HK$89,036/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$688,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,604
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$47,853
−HK$1,268/mo
Today · 4.125%
HK$49,121
baseline
▲ 0.50% · 4.625%
HK$51,711
+HK$2,590/mo
Deposit HK$9.19M · loan HK$9.19M · min. income ≈ HK$98,242/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$688,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,269
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$51,833
−HK$1,589/mo
Today · 4.125%
HK$53,422
baseline
▲ 0.50% · 4.625%
HK$56,672
+HK$3,250/mo
Deposit HK$7.35M · loan HK$11.02M · min. income ≈ HK$106,844/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$688,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,924
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$57,424
−HK$1,522/mo
Today · 4.125%
HK$58,946
baseline
▲ 0.50% · 4.625%
HK$62,053
+HK$3,107/mo
Deposit HK$7.35M · loan HK$11.02M · min. income ≈ HK$117,892/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$688,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,648
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$60,472
−HK$1,853/mo
Today · 4.125%
HK$62,325
baseline
▲ 0.50% · 4.625%
HK$66,118
+HK$3,793/mo
Deposit HK$5.51M · loan HK$12.86M · min. income ≈ HK$124,650/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$688,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,245
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$66,995
−HK$1,775/mo
Today · 4.125%
HK$68,770
baseline
▲ 0.50% · 4.625%
HK$72,395
+HK$3,625/mo
Deposit HK$5.51M · loan HK$12.86M · min. income ≈ HK$137,540/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$688,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,404
−HK$4,729/mo
▼ 0.25% · 3.875%
HK$77,750
−HK$2,383/mo
Today · 4.125%
HK$80,133
baseline
▲ 0.50% · 4.625%
HK$85,009
+HK$4,876/mo
Deposit HK$1.84M · loan HK$16.53M · min. income ≈ HK$160,266/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$688,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,886
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$86,136
−HK$2,282/mo
Today · 4.125%
HK$88,418
baseline
▲ 0.50% · 4.625%
HK$93,079
+HK$4,661/mo
Deposit HK$1.84M · loan HK$16.53M · min. income ≈ HK$176,836/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$688,923 · Scale 2, in force from 26 Feb 2026)