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$41,981
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$43,287
−HK$1,327/mo
Today · 4.125%
HK$44,614
baseline
▲ 0.50% · 4.625%
HK$47,329
+HK$2,715/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$89,228/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,704
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$47,957
−HK$1,270/mo
Today · 4.125%
HK$49,227
baseline
▲ 0.50% · 4.625%
HK$51,822
+HK$2,595/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$98,454/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,378
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$51,945
−HK$1,592/mo
Today · 4.125%
HK$53,537
baseline
▲ 0.50% · 4.625%
HK$56,794
+HK$3,257/mo
Deposit HK$7.36M · loan HK$11.05M · min. income ≈ HK$107,074/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$690,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,045
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$57,548
−HK$1,525/mo
Today · 4.125%
HK$59,073
baseline
▲ 0.50% · 4.625%
HK$62,186
+HK$3,113/mo
Deposit HK$7.36M · loan HK$11.05M · min. income ≈ HK$118,146/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$690,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,774
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$60,602
−HK$1,858/mo
Today · 4.125%
HK$62,460
baseline
▲ 0.50% · 4.625%
HK$66,260
+HK$3,800/mo
Deposit HK$5.52M · loan HK$12.89M · min. income ≈ HK$124,920/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$690,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,386
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$67,139
−HK$1,779/mo
Today · 4.125%
HK$68,918
baseline
▲ 0.50% · 4.625%
HK$72,551
+HK$3,633/mo
Deposit HK$5.52M · loan HK$12.89M · min. income ≈ HK$137,836/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$690,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,567
−HK$4,738/mo
▼ 0.25% · 3.875%
HK$77,917
−HK$2,388/mo
Today · 4.125%
HK$80,305
baseline
▲ 0.50% · 4.625%
HK$85,192
+HK$4,887/mo
Deposit HK$1.84M · loan HK$16.57M · min. income ≈ HK$160,610/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,067
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$86,322
−HK$2,287/mo
Today · 4.125%
HK$88,609
baseline
▲ 0.50% · 4.625%
HK$93,280
+HK$4,671/mo
Deposit HK$1.84M · loan HK$16.57M · min. income ≈ HK$177,218/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,407 · Scale 2, in force from 26 Feb 2026)