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$42,241
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$43,555
−HK$1,335/mo
Today · 4.125%
HK$44,890
baseline
▲ 0.50% · 4.625%
HK$47,622
+HK$2,732/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$89,780/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$694,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,993
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$48,253
−HK$1,279/mo
Today · 4.125%
HK$49,532
baseline
▲ 0.50% · 4.625%
HK$52,143
+HK$2,611/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$99,064/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$694,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,689
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$52,266
−HK$1,602/mo
Today · 4.125%
HK$53,868
baseline
▲ 0.50% · 4.625%
HK$57,146
+HK$3,278/mo
Deposit HK$7.41M · loan HK$11.11M · min. income ≈ HK$107,736/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,391
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$57,904
−HK$1,534/mo
Today · 4.125%
HK$59,438
baseline
▲ 0.50% · 4.625%
HK$62,571
+HK$3,133/mo
Deposit HK$7.41M · loan HK$11.11M · min. income ≈ HK$118,876/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,138
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$60,977
−HK$1,869/mo
Today · 4.125%
HK$62,846
baseline
▲ 0.50% · 4.625%
HK$66,670
+HK$3,824/mo
Deposit HK$5.56M · loan HK$12.97M · min. income ≈ HK$125,692/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,790
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$67,555
−HK$1,790/mo
Today · 4.125%
HK$69,345
baseline
▲ 0.50% · 4.625%
HK$73,000
+HK$3,655/mo
Deposit HK$5.56M · loan HK$12.97M · min. income ≈ HK$138,690/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,034
−HK$4,768/mo
▼ 0.25% · 3.875%
HK$78,399
−HK$2,403/mo
Today · 4.125%
HK$80,802
baseline
▲ 0.50% · 4.625%
HK$85,719
+HK$4,917/mo
Deposit HK$1.85M · loan HK$16.67M · min. income ≈ HK$161,604/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,587
−HK$4,570/mo
▼ 0.25% · 3.875%
HK$86,856
−HK$2,301/mo
Today · 4.125%
HK$89,157
baseline
▲ 0.50% · 4.625%
HK$93,857
+HK$4,700/mo
Deposit HK$1.85M · loan HK$16.67M · min. income ≈ HK$178,314/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,679 · Scale 2, in force from 26 Feb 2026)