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$42,171
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$43,483
−HK$1,333/mo
Today · 4.125%
HK$44,816
baseline
▲ 0.50% · 4.625%
HK$47,543
+HK$2,727/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$89,632/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,915
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$48,174
−HK$1,276/mo
Today · 4.125%
HK$49,450
baseline
▲ 0.50% · 4.625%
HK$52,057
+HK$2,607/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$98,900/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,606
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$52,180
−HK$1,599/mo
Today · 4.125%
HK$53,779
baseline
▲ 0.50% · 4.625%
HK$57,052
+HK$3,273/mo
Deposit HK$7.40M · loan HK$11.10M · min. income ≈ HK$107,558/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,298
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$57,808
−HK$1,532/mo
Today · 4.125%
HK$59,340
baseline
▲ 0.50% · 4.625%
HK$62,468
+HK$3,128/mo
Deposit HK$7.40M · loan HK$11.10M · min. income ≈ HK$118,680/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,040
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$60,877
−HK$1,865/mo
Today · 4.125%
HK$62,742
baseline
▲ 0.50% · 4.625%
HK$66,560
+HK$3,818/mo
Deposit HK$5.55M · loan HK$12.95M · min. income ≈ HK$125,484/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,681
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$67,443
−HK$1,787/mo
Today · 4.125%
HK$69,230
baseline
▲ 0.50% · 4.625%
HK$72,879
+HK$3,649/mo
Deposit HK$5.55M · loan HK$12.95M · min. income ≈ HK$138,460/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,909
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$78,270
−HK$2,399/mo
Today · 4.125%
HK$80,669
baseline
▲ 0.50% · 4.625%
HK$85,577
+HK$4,908/mo
Deposit HK$1.85M · loan HK$16.64M · min. income ≈ HK$161,338/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,448
−HK$4,562/mo
▼ 0.25% · 3.875%
HK$86,712
−HK$2,298/mo
Today · 4.125%
HK$89,010
baseline
▲ 0.50% · 4.625%
HK$93,702
+HK$4,692/mo
Deposit HK$1.85M · loan HK$16.64M · min. income ≈ HK$178,020/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,532 · Scale 2, in force from 26 Feb 2026)