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$42,179
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$43,491
−HK$1,333/mo
Today · 4.125%
HK$44,824
baseline
▲ 0.50% · 4.625%
HK$47,551
+HK$2,727/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$89,648/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,923
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$48,182
−HK$1,277/mo
Today · 4.125%
HK$49,459
baseline
▲ 0.50% · 4.625%
HK$52,066
+HK$2,607/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$98,918/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,615
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$52,189
−HK$1,600/mo
Today · 4.125%
HK$53,789
baseline
▲ 0.50% · 4.625%
HK$57,061
+HK$3,272/mo
Deposit HK$7.40M · loan HK$11.10M · min. income ≈ HK$107,578/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,308
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$57,818
−HK$1,532/mo
Today · 4.125%
HK$59,350
baseline
▲ 0.50% · 4.625%
HK$62,479
+HK$3,129/mo
Deposit HK$7.40M · loan HK$11.10M · min. income ≈ HK$118,700/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,050
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$60,887
−HK$1,866/mo
Today · 4.125%
HK$62,753
baseline
▲ 0.50% · 4.625%
HK$66,572
+HK$3,819/mo
Deposit HK$5.55M · loan HK$12.95M · min. income ≈ HK$125,506/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,693
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$67,455
−HK$1,787/mo
Today · 4.125%
HK$69,242
baseline
▲ 0.50% · 4.625%
HK$72,892
+HK$3,650/mo
Deposit HK$5.55M · loan HK$12.95M · min. income ≈ HK$138,484/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,922
−HK$4,761/mo
▼ 0.25% · 3.875%
HK$78,283
−HK$2,400/mo
Today · 4.125%
HK$80,683
baseline
▲ 0.50% · 4.625%
HK$85,592
+HK$4,909/mo
Deposit HK$1.85M · loan HK$16.65M · min. income ≈ HK$161,366/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,462
−HK$4,564/mo
▼ 0.25% · 3.875%
HK$86,728
−HK$2,298/mo
Today · 4.125%
HK$89,026
baseline
▲ 0.50% · 4.625%
HK$93,718
+HK$4,692/mo
Deposit HK$1.85M · loan HK$16.65M · min. income ≈ HK$178,052/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,653 · Scale 2, in force from 26 Feb 2026)