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$42,359
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$43,677
−HK$1,338/mo
Today · 4.125%
HK$45,015
baseline
▲ 0.50% · 4.625%
HK$47,754
+HK$2,739/mo
Deposit HK$9.29M · loan HK$9.29M · min. income ≈ HK$90,030/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$696,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,124
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$48,388
−HK$1,282/mo
Today · 4.125%
HK$49,670
baseline
▲ 0.50% · 4.625%
HK$52,288
+HK$2,618/mo
Deposit HK$9.29M · loan HK$9.29M · min. income ≈ HK$99,340/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$696,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,831
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$52,412
−HK$1,606/mo
Today · 4.125%
HK$54,018
baseline
▲ 0.50% · 4.625%
HK$57,305
+HK$3,287/mo
Deposit HK$7.43M · loan HK$11.15M · min. income ≈ HK$108,036/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$696,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,549
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$58,065
−HK$1,539/mo
Today · 4.125%
HK$59,604
baseline
▲ 0.50% · 4.625%
HK$62,746
+HK$3,142/mo
Deposit HK$7.43M · loan HK$11.15M · min. income ≈ HK$119,208/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$696,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,302
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$61,147
−HK$1,874/mo
Today · 4.125%
HK$63,021
baseline
▲ 0.50% · 4.625%
HK$66,856
+HK$3,835/mo
Deposit HK$5.57M · loan HK$13.00M · min. income ≈ HK$126,042/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,973
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$67,743
−HK$1,795/mo
Today · 4.125%
HK$69,538
baseline
▲ 0.50% · 4.625%
HK$73,203
+HK$3,665/mo
Deposit HK$5.57M · loan HK$13.00M · min. income ≈ HK$139,076/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,246
−HK$4,781/mo
▼ 0.25% · 3.875%
HK$78,618
−HK$2,409/mo
Today · 4.125%
HK$81,027
baseline
▲ 0.50% · 4.625%
HK$85,958
+HK$4,931/mo
Deposit HK$1.86M · loan HK$16.72M · min. income ≈ HK$162,054/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$696,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,823
−HK$4,583/mo
▼ 0.25% · 3.875%
HK$87,098
−HK$2,308/mo
Today · 4.125%
HK$89,406
baseline
▲ 0.50% · 4.625%
HK$94,118
+HK$4,712/mo
Deposit HK$1.86M · loan HK$16.72M · min. income ≈ HK$178,812/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$696,615 · Scale 2, in force from 26 Feb 2026)