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$42,391
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$43,709
−HK$1,340/mo
Today · 4.125%
HK$45,049
baseline
▲ 0.50% · 4.625%
HK$47,790
+HK$2,741/mo
Deposit HK$9.30M · loan HK$9.30M · min. income ≈ HK$90,098/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$697,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,159
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$48,424
−HK$1,283/mo
Today · 4.125%
HK$49,707
baseline
▲ 0.50% · 4.625%
HK$52,327
+HK$2,620/mo
Deposit HK$9.30M · loan HK$9.30M · min. income ≈ HK$99,414/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$697,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,869
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$52,451
−HK$1,608/mo
Today · 4.125%
HK$54,059
baseline
▲ 0.50% · 4.625%
HK$57,348
+HK$3,289/mo
Deposit HK$7.44M · loan HK$11.15M · min. income ≈ HK$108,118/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$697,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,591
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$58,109
−HK$1,540/mo
Today · 4.125%
HK$59,649
baseline
▲ 0.50% · 4.625%
HK$62,793
+HK$3,144/mo
Deposit HK$7.44M · loan HK$11.15M · min. income ≈ HK$119,298/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$697,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,347
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$61,193
−HK$1,876/mo
Today · 4.125%
HK$63,069
baseline
▲ 0.50% · 4.625%
HK$66,906
+HK$3,837/mo
Deposit HK$5.58M · loan HK$13.01M · min. income ≈ HK$126,138/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$697,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,023
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$67,794
−HK$1,796/mo
Today · 4.125%
HK$69,590
baseline
▲ 0.50% · 4.625%
HK$73,258
+HK$3,668/mo
Deposit HK$5.58M · loan HK$13.01M · min. income ≈ HK$139,180/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$697,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,303
−HK$4,785/mo
▼ 0.25% · 3.875%
HK$78,677
−HK$2,411/mo
Today · 4.125%
HK$81,088
baseline
▲ 0.50% · 4.625%
HK$86,022
+HK$4,934/mo
Deposit HK$1.86M · loan HK$16.73M · min. income ≈ HK$162,176/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,887
−HK$4,586/mo
▼ 0.25% · 3.875%
HK$87,163
−HK$2,310/mo
Today · 4.125%
HK$89,473
baseline
▲ 0.50% · 4.625%
HK$94,189
+HK$4,716/mo
Deposit HK$1.86M · loan HK$16.73M · min. income ≈ HK$178,946/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$697,139 · Scale 2, in force from 26 Feb 2026)