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$42,368
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$43,686
−HK$1,339/mo
Today · 4.125%
HK$45,025
baseline
▲ 0.50% · 4.625%
HK$47,765
+HK$2,740/mo
Deposit HK$9.29M · loan HK$9.29M · min. income ≈ HK$90,050/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$696,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,134
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$48,398
−HK$1,283/mo
Today · 4.125%
HK$49,681
baseline
▲ 0.50% · 4.625%
HK$52,299
+HK$2,618/mo
Deposit HK$9.29M · loan HK$9.29M · min. income ≈ HK$99,362/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$696,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,842
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$52,423
−HK$1,607/mo
Today · 4.125%
HK$54,030
baseline
▲ 0.50% · 4.625%
HK$57,318
+HK$3,288/mo
Deposit HK$7.43M · loan HK$11.15M · min. income ≈ HK$108,060/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$696,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,561
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$58,078
−HK$1,539/mo
Today · 4.125%
HK$59,617
baseline
▲ 0.50% · 4.625%
HK$62,759
+HK$3,142/mo
Deposit HK$7.43M · loan HK$11.15M · min. income ≈ HK$119,234/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$696,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,315
−HK$3,720/mo
▼ 0.25% · 3.875%
HK$61,160
−HK$1,875/mo
Today · 4.125%
HK$63,035
baseline
▲ 0.50% · 4.625%
HK$66,871
+HK$3,836/mo
Deposit HK$5.57M · loan HK$13.01M · min. income ≈ HK$126,070/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,988
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$67,758
−HK$1,795/mo
Today · 4.125%
HK$69,553
baseline
▲ 0.50% · 4.625%
HK$73,219
+HK$3,666/mo
Deposit HK$5.57M · loan HK$13.01M · min. income ≈ HK$139,106/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,263
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$78,635
−HK$2,410/mo
Today · 4.125%
HK$81,045
baseline
▲ 0.50% · 4.625%
HK$85,976
+HK$4,931/mo
Deposit HK$1.86M · loan HK$16.72M · min. income ≈ HK$162,090/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$696,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,841
−HK$4,584/mo
▼ 0.25% · 3.875%
HK$87,117
−HK$2,308/mo
Today · 4.125%
HK$89,425
baseline
▲ 0.50% · 4.625%
HK$94,139
+HK$4,714/mo
Deposit HK$1.86M · loan HK$16.72M · min. income ≈ HK$178,850/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$696,767 · Scale 2, in force from 26 Feb 2026)