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$42,239
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$43,553
−HK$1,335/mo
Today · 4.125%
HK$44,888
baseline
▲ 0.50% · 4.625%
HK$47,619
+HK$2,731/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$89,776/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$694,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,990
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$48,251
−HK$1,278/mo
Today · 4.125%
HK$49,529
baseline
▲ 0.50% · 4.625%
HK$52,140
+HK$2,611/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$99,058/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$694,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,687
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$52,263
−HK$1,602/mo
Today · 4.125%
HK$53,865
baseline
▲ 0.50% · 4.625%
HK$57,143
+HK$3,278/mo
Deposit HK$7.41M · loan HK$11.11M · min. income ≈ HK$107,730/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,388
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$57,901
−HK$1,534/mo
Today · 4.125%
HK$59,435
baseline
▲ 0.50% · 4.625%
HK$62,568
+HK$3,133/mo
Deposit HK$7.41M · loan HK$11.11M · min. income ≈ HK$118,870/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,134
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$60,974
−HK$1,869/mo
Today · 4.125%
HK$62,843
baseline
▲ 0.50% · 4.625%
HK$66,666
+HK$3,823/mo
Deposit HK$5.56M · loan HK$12.97M · min. income ≈ HK$125,686/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,786
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$67,551
−HK$1,790/mo
Today · 4.125%
HK$69,341
baseline
▲ 0.50% · 4.625%
HK$72,996
+HK$3,655/mo
Deposit HK$5.56M · loan HK$12.97M · min. income ≈ HK$138,682/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,030
−HK$4,768/mo
▼ 0.25% · 3.875%
HK$78,395
−HK$2,403/mo
Today · 4.125%
HK$80,798
baseline
▲ 0.50% · 4.625%
HK$85,714
+HK$4,916/mo
Deposit HK$1.85M · loan HK$16.67M · min. income ≈ HK$161,596/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,582
−HK$4,570/mo
▼ 0.25% · 3.875%
HK$86,851
−HK$2,301/mo
Today · 4.125%
HK$89,152
baseline
▲ 0.50% · 4.625%
HK$93,852
+HK$4,700/mo
Deposit HK$1.85M · loan HK$16.67M · min. income ≈ HK$178,304/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,640 · Scale 2, in force from 26 Feb 2026)