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$41,832
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$43,134
−HK$1,322/mo
Today · 4.125%
HK$44,456
baseline
▲ 0.50% · 4.625%
HK$47,161
+HK$2,705/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$88,912/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$687,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,538
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$47,786
−HK$1,266/mo
Today · 4.125%
HK$49,052
baseline
▲ 0.50% · 4.625%
HK$51,638
+HK$2,586/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$98,104/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$687,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,199
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$51,760
−HK$1,587/mo
Today · 4.125%
HK$53,347
baseline
▲ 0.50% · 4.625%
HK$56,593
+HK$3,246/mo
Deposit HK$7.34M · loan HK$11.01M · min. income ≈ HK$106,694/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$687,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,846
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$57,343
−HK$1,520/mo
Today · 4.125%
HK$58,863
baseline
▲ 0.50% · 4.625%
HK$61,965
+HK$3,102/mo
Deposit HK$7.34M · loan HK$11.01M · min. income ≈ HK$117,726/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$687,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,565
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$60,387
−HK$1,851/mo
Today · 4.125%
HK$62,238
baseline
▲ 0.50% · 4.625%
HK$66,025
+HK$3,787/mo
Deposit HK$5.50M · loan HK$12.84M · min. income ≈ HK$124,476/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,153
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$66,901
−HK$1,772/mo
Today · 4.125%
HK$68,673
baseline
▲ 0.50% · 4.625%
HK$72,293
+HK$3,620/mo
Deposit HK$5.50M · loan HK$12.84M · min. income ≈ HK$137,346/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,298
−HK$4,722/mo
▼ 0.25% · 3.875%
HK$77,640
−HK$2,380/mo
Today · 4.125%
HK$80,020
baseline
▲ 0.50% · 4.625%
HK$84,889
+HK$4,869/mo
Deposit HK$1.83M · loan HK$16.51M · min. income ≈ HK$160,040/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,768
−HK$4,526/mo
▼ 0.25% · 3.875%
HK$86,015
−HK$2,279/mo
Today · 4.125%
HK$88,294
baseline
▲ 0.50% · 4.625%
HK$92,948
+HK$4,654/mo
Deposit HK$1.83M · loan HK$16.51M · min. income ≈ HK$176,588/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,954 · Scale 2, in force from 26 Feb 2026)