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$42,310
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$43,626
−HK$1,337/mo
Today · 4.125%
HK$44,963
baseline
▲ 0.50% · 4.625%
HK$47,699
+HK$2,736/mo
Deposit HK$9.28M · loan HK$9.28M · min. income ≈ HK$89,926/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$695,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,070
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$48,332
−HK$1,281/mo
Today · 4.125%
HK$49,613
baseline
▲ 0.50% · 4.625%
HK$52,228
+HK$2,615/mo
Deposit HK$9.28M · loan HK$9.28M · min. income ≈ HK$99,226/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$695,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,772
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$52,352
−HK$1,604/mo
Today · 4.125%
HK$53,956
baseline
▲ 0.50% · 4.625%
HK$57,239
+HK$3,283/mo
Deposit HK$7.42M · loan HK$11.13M · min. income ≈ HK$107,912/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$695,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,484
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$57,998
−HK$1,537/mo
Today · 4.125%
HK$59,535
baseline
▲ 0.50% · 4.625%
HK$62,673
+HK$3,138/mo
Deposit HK$7.42M · loan HK$11.13M · min. income ≈ HK$119,070/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$695,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,234
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$61,077
−HK$1,872/mo
Today · 4.125%
HK$62,949
baseline
▲ 0.50% · 4.625%
HK$66,779
+HK$3,830/mo
Deposit HK$5.57M · loan HK$12.99M · min. income ≈ HK$125,898/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,898
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$67,665
−HK$1,793/mo
Today · 4.125%
HK$69,458
baseline
▲ 0.50% · 4.625%
HK$73,119
+HK$3,661/mo
Deposit HK$5.57M · loan HK$12.99M · min. income ≈ HK$138,916/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,158
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$78,527
−HK$2,407/mo
Today · 4.125%
HK$80,934
baseline
▲ 0.50% · 4.625%
HK$85,859
+HK$4,925/mo
Deposit HK$1.86M · loan HK$16.70M · min. income ≈ HK$161,868/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,725
−HK$4,578/mo
▼ 0.25% · 3.875%
HK$86,998
−HK$2,305/mo
Today · 4.125%
HK$89,303
baseline
▲ 0.50% · 4.625%
HK$94,010
+HK$4,707/mo
Deposit HK$1.86M · loan HK$16.70M · min. income ≈ HK$178,606/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,813 · Scale 2, in force from 26 Feb 2026)