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$42,401
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$43,720
−HK$1,340/mo
Today · 4.125%
HK$45,060
baseline
▲ 0.50% · 4.625%
HK$47,802
+HK$2,742/mo
Deposit HK$9.30M · loan HK$9.30M · min. income ≈ HK$90,120/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$697,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,171
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$48,436
−HK$1,283/mo
Today · 4.125%
HK$49,719
baseline
▲ 0.50% · 4.625%
HK$52,340
+HK$2,621/mo
Deposit HK$9.30M · loan HK$9.30M · min. income ≈ HK$99,438/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$697,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,881
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$52,464
−HK$1,608/mo
Today · 4.125%
HK$54,072
baseline
▲ 0.50% · 4.625%
HK$57,362
+HK$3,290/mo
Deposit HK$7.44M · loan HK$11.16M · min. income ≈ HK$108,144/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$697,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,605
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$58,123
−HK$1,540/mo
Today · 4.125%
HK$59,663
baseline
▲ 0.50% · 4.625%
HK$62,808
+HK$3,145/mo
Deposit HK$7.44M · loan HK$11.16M · min. income ≈ HK$119,326/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$697,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,361
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$61,208
−HK$1,876/mo
Today · 4.125%
HK$63,084
baseline
▲ 0.50% · 4.625%
HK$66,922
+HK$3,838/mo
Deposit HK$5.58M · loan HK$13.02M · min. income ≈ HK$126,168/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,039
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$67,810
−HK$1,797/mo
Today · 4.125%
HK$69,607
baseline
▲ 0.50% · 4.625%
HK$73,276
+HK$3,669/mo
Deposit HK$5.58M · loan HK$13.02M · min. income ≈ HK$139,214/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$697,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,322
−HK$4,786/mo
▼ 0.25% · 3.875%
HK$78,696
−HK$2,412/mo
Today · 4.125%
HK$81,108
baseline
▲ 0.50% · 4.625%
HK$86,043
+HK$4,935/mo
Deposit HK$1.86M · loan HK$16.74M · min. income ≈ HK$162,216/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,907
−HK$4,587/mo
▼ 0.25% · 3.875%
HK$87,184
−HK$2,310/mo
Today · 4.125%
HK$89,494
baseline
▲ 0.50% · 4.625%
HK$94,212
+HK$4,718/mo
Deposit HK$1.86M · loan HK$16.74M · min. income ≈ HK$178,988/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,305 · Scale 2, in force from 26 Feb 2026)