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$42,133
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$43,444
−HK$1,332/mo
Today · 4.125%
HK$44,776
baseline
▲ 0.50% · 4.625%
HK$47,500
+HK$2,724/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$89,552/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$692,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,873
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$48,130
−HK$1,275/mo
Today · 4.125%
HK$49,405
baseline
▲ 0.50% · 4.625%
HK$52,010
+HK$2,605/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$98,810/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$692,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,560
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$52,133
−HK$1,598/mo
Today · 4.125%
HK$53,731
baseline
▲ 0.50% · 4.625%
HK$57,000
+HK$3,269/mo
Deposit HK$7.39M · loan HK$11.09M · min. income ≈ HK$107,462/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$692,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,248
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$57,756
−HK$1,531/mo
Today · 4.125%
HK$59,287
baseline
▲ 0.50% · 4.625%
HK$62,412
+HK$3,125/mo
Deposit HK$7.39M · loan HK$11.09M · min. income ≈ HK$118,574/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$692,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,987
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$60,822
−HK$1,864/mo
Today · 4.125%
HK$62,686
baseline
▲ 0.50% · 4.625%
HK$66,500
+HK$3,814/mo
Deposit HK$5.54M · loan HK$12.93M · min. income ≈ HK$125,372/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$692,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,622
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$67,382
−HK$1,786/mo
Today · 4.125%
HK$69,168
baseline
▲ 0.50% · 4.625%
HK$72,814
+HK$3,646/mo
Deposit HK$5.54M · loan HK$12.93M · min. income ≈ HK$138,336/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$692,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,840
−HK$4,756/mo
▼ 0.25% · 3.875%
HK$78,199
−HK$2,397/mo
Today · 4.125%
HK$80,596
baseline
▲ 0.50% · 4.625%
HK$85,500
+HK$4,904/mo
Deposit HK$1.85M · loan HK$16.63M · min. income ≈ HK$161,192/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,372
−HK$4,558/mo
▼ 0.25% · 3.875%
HK$86,634
−HK$2,296/mo
Today · 4.125%
HK$88,930
baseline
▲ 0.50% · 4.625%
HK$93,617
+HK$4,687/mo
Deposit HK$1.85M · loan HK$16.63M · min. income ≈ HK$177,860/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,908 · Scale 2, in force from 26 Feb 2026)