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$42,163
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$43,474
−HK$1,333/mo
Today · 4.125%
HK$44,807
baseline
▲ 0.50% · 4.625%
HK$47,533
+HK$2,726/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$89,614/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,906
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$48,164
−HK$1,276/mo
Today · 4.125%
HK$49,440
baseline
▲ 0.50% · 4.625%
HK$52,046
+HK$2,606/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$98,880/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,596
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$52,169
−HK$1,599/mo
Today · 4.125%
HK$53,768
baseline
▲ 0.50% · 4.625%
HK$57,040
+HK$3,272/mo
Deposit HK$7.40M · loan HK$11.09M · min. income ≈ HK$107,536/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,287
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$57,797
−HK$1,531/mo
Today · 4.125%
HK$59,328
baseline
▲ 0.50% · 4.625%
HK$62,455
+HK$3,127/mo
Deposit HK$7.40M · loan HK$11.09M · min. income ≈ HK$118,656/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,028
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$60,864
−HK$1,866/mo
Today · 4.125%
HK$62,730
baseline
▲ 0.50% · 4.625%
HK$66,547
+HK$3,817/mo
Deposit HK$5.55M · loan HK$12.94M · min. income ≈ HK$125,460/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,668
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$67,429
−HK$1,787/mo
Today · 4.125%
HK$69,216
baseline
▲ 0.50% · 4.625%
HK$72,865
+HK$3,649/mo
Deposit HK$5.55M · loan HK$12.94M · min. income ≈ HK$138,432/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,893
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$78,254
−HK$2,399/mo
Today · 4.125%
HK$80,653
baseline
▲ 0.50% · 4.625%
HK$85,560
+HK$4,907/mo
Deposit HK$1.85M · loan HK$16.64M · min. income ≈ HK$161,306/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,431
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$86,695
−HK$2,297/mo
Today · 4.125%
HK$88,992
baseline
▲ 0.50% · 4.625%
HK$93,683
+HK$4,691/mo
Deposit HK$1.85M · loan HK$16.64M · min. income ≈ HK$177,984/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,393 · Scale 2, in force from 26 Feb 2026)