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$42,156
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$43,467
−HK$1,332/mo
Today · 4.125%
HK$44,799
baseline
▲ 0.50% · 4.625%
HK$47,525
+HK$2,726/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$89,598/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,898
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$48,155
−HK$1,276/mo
Today · 4.125%
HK$49,431
baseline
▲ 0.50% · 4.625%
HK$52,037
+HK$2,606/mo
Deposit HK$9.24M · loan HK$9.24M · min. income ≈ HK$98,862/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,587
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$52,160
−HK$1,599/mo
Today · 4.125%
HK$53,759
baseline
▲ 0.50% · 4.625%
HK$57,030
+HK$3,271/mo
Deposit HK$7.39M · loan HK$11.09M · min. income ≈ HK$107,518/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,277
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$57,787
−HK$1,531/mo
Today · 4.125%
HK$59,318
baseline
▲ 0.50% · 4.625%
HK$62,444
+HK$3,126/mo
Deposit HK$7.39M · loan HK$11.09M · min. income ≈ HK$118,636/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,018
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$60,854
−HK$1,865/mo
Today · 4.125%
HK$62,719
baseline
▲ 0.50% · 4.625%
HK$66,535
+HK$3,816/mo
Deposit HK$5.55M · loan HK$12.94M · min. income ≈ HK$125,438/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,657
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$67,418
−HK$1,786/mo
Today · 4.125%
HK$69,204
baseline
▲ 0.50% · 4.625%
HK$72,852
+HK$3,648/mo
Deposit HK$5.55M · loan HK$12.94M · min. income ≈ HK$138,408/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,880
−HK$4,758/mo
▼ 0.25% · 3.875%
HK$78,240
−HK$2,398/mo
Today · 4.125%
HK$80,638
baseline
▲ 0.50% · 4.625%
HK$85,545
+HK$4,907/mo
Deposit HK$1.85M · loan HK$16.64M · min. income ≈ HK$161,276/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,416
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$86,680
−HK$2,297/mo
Today · 4.125%
HK$88,977
baseline
▲ 0.50% · 4.625%
HK$93,667
+HK$4,690/mo
Deposit HK$1.85M · loan HK$16.64M · min. income ≈ HK$177,954/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,271 · Scale 2, in force from 26 Feb 2026)