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$42,145
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$43,456
−HK$1,332/mo
Today · 4.125%
HK$44,788
baseline
▲ 0.50% · 4.625%
HK$47,514
+HK$2,726/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$89,576/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$693,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,886
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$48,144
−HK$1,276/mo
Today · 4.125%
HK$49,420
baseline
▲ 0.50% · 4.625%
HK$52,025
+HK$2,605/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$98,840/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$693,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,575
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$52,148
−HK$1,598/mo
Today · 4.125%
HK$53,746
baseline
▲ 0.50% · 4.625%
HK$57,016
+HK$3,270/mo
Deposit HK$7.39M · loan HK$11.09M · min. income ≈ HK$107,492/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,264
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$57,773
−HK$1,530/mo
Today · 4.125%
HK$59,303
baseline
▲ 0.50% · 4.625%
HK$62,429
+HK$3,126/mo
Deposit HK$7.39M · loan HK$11.09M · min. income ≈ HK$118,606/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,004
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$60,839
−HK$1,865/mo
Today · 4.125%
HK$62,704
baseline
▲ 0.50% · 4.625%
HK$66,519
+HK$3,815/mo
Deposit HK$5.54M · loan HK$12.94M · min. income ≈ HK$125,408/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,641
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$67,401
−HK$1,786/mo
Today · 4.125%
HK$69,187
baseline
▲ 0.50% · 4.625%
HK$72,834
+HK$3,647/mo
Deposit HK$5.54M · loan HK$12.94M · min. income ≈ HK$138,374/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,862
−HK$4,757/mo
▼ 0.25% · 3.875%
HK$78,222
−HK$2,397/mo
Today · 4.125%
HK$80,619
baseline
▲ 0.50% · 4.625%
HK$85,525
+HK$4,906/mo
Deposit HK$1.85M · loan HK$16.63M · min. income ≈ HK$161,238/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,396
−HK$4,559/mo
▼ 0.25% · 3.875%
HK$86,659
−HK$2,296/mo
Today · 4.125%
HK$88,955
baseline
▲ 0.50% · 4.625%
HK$93,644
+HK$4,689/mo
Deposit HK$1.85M · loan HK$16.63M · min. income ≈ HK$177,910/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,105 · Scale 2, in force from 26 Feb 2026)