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$42,264
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$43,579
−HK$1,336/mo
Today · 4.125%
HK$44,915
baseline
▲ 0.50% · 4.625%
HK$47,648
+HK$2,733/mo
Deposit HK$9.27M · loan HK$9.27M · min. income ≈ HK$89,830/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$695,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,019
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$48,280
−HK$1,279/mo
Today · 4.125%
HK$49,559
baseline
▲ 0.50% · 4.625%
HK$52,171
+HK$2,612/mo
Deposit HK$9.27M · loan HK$9.27M · min. income ≈ HK$99,118/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$695,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,717
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$52,295
−HK$1,603/mo
Today · 4.125%
HK$53,898
baseline
▲ 0.50% · 4.625%
HK$57,177
+HK$3,279/mo
Deposit HK$7.41M · loan HK$11.12M · min. income ≈ HK$107,796/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$695,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,422
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$57,936
−HK$1,535/mo
Today · 4.125%
HK$59,471
baseline
▲ 0.50% · 4.625%
HK$62,605
+HK$3,134/mo
Deposit HK$7.41M · loan HK$11.12M · min. income ≈ HK$118,942/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$695,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,170
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$61,011
−HK$1,869/mo
Today · 4.125%
HK$62,880
baseline
▲ 0.50% · 4.625%
HK$66,707
+HK$3,827/mo
Deposit HK$5.56M · loan HK$12.97M · min. income ≈ HK$125,760/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,826
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$67,591
−HK$1,791/mo
Today · 4.125%
HK$69,382
baseline
▲ 0.50% · 4.625%
HK$73,040
+HK$3,658/mo
Deposit HK$5.56M · loan HK$12.97M · min. income ≈ HK$138,764/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,076
−HK$4,770/mo
▼ 0.25% · 3.875%
HK$78,442
−HK$2,404/mo
Today · 4.125%
HK$80,846
baseline
▲ 0.50% · 4.625%
HK$85,766
+HK$4,920/mo
Deposit HK$1.85M · loan HK$16.68M · min. income ≈ HK$161,692/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,633
−HK$4,573/mo
▼ 0.25% · 3.875%
HK$86,903
−HK$2,303/mo
Today · 4.125%
HK$89,206
baseline
▲ 0.50% · 4.625%
HK$93,908
+HK$4,702/mo
Deposit HK$1.85M · loan HK$16.68M · min. income ≈ HK$178,412/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,058 · Scale 2, in force from 26 Feb 2026)