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$42,195
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$43,507
−HK$1,334/mo
Today · 4.125%
HK$44,841
baseline
▲ 0.50% · 4.625%
HK$47,569
+HK$2,728/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$89,682/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$693,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,941
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$48,200
−HK$1,278/mo
Today · 4.125%
HK$49,478
baseline
▲ 0.50% · 4.625%
HK$52,086
+HK$2,608/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$98,956/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$693,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,634
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$52,209
−HK$1,600/mo
Today · 4.125%
HK$53,809
baseline
▲ 0.50% · 4.625%
HK$57,083
+HK$3,274/mo
Deposit HK$7.40M · loan HK$11.10M · min. income ≈ HK$107,618/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$693,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,330
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$57,840
−HK$1,533/mo
Today · 4.125%
HK$59,373
baseline
▲ 0.50% · 4.625%
HK$62,503
+HK$3,130/mo
Deposit HK$7.40M · loan HK$11.10M · min. income ≈ HK$118,746/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$693,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,073
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$60,910
−HK$1,867/mo
Today · 4.125%
HK$62,777
baseline
▲ 0.50% · 4.625%
HK$66,597
+HK$3,820/mo
Deposit HK$5.55M · loan HK$12.95M · min. income ≈ HK$125,554/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$693,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,718
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$67,481
−HK$1,788/mo
Today · 4.125%
HK$69,269
baseline
▲ 0.50% · 4.625%
HK$72,920
+HK$3,651/mo
Deposit HK$5.55M · loan HK$12.95M · min. income ≈ HK$138,538/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$693,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,951
−HK$4,763/mo
▼ 0.25% · 3.875%
HK$78,313
−HK$2,401/mo
Today · 4.125%
HK$80,714
baseline
▲ 0.50% · 4.625%
HK$85,625
+HK$4,911/mo
Deposit HK$1.85M · loan HK$16.65M · min. income ≈ HK$161,428/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,495
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$86,761
−HK$2,299/mo
Today · 4.125%
HK$89,060
baseline
▲ 0.50% · 4.625%
HK$93,754
+HK$4,694/mo
Deposit HK$1.85M · loan HK$16.65M · min. income ≈ HK$178,120/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,918 · Scale 2, in force from 26 Feb 2026)