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$41,999
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$43,305
−HK$1,327/mo
Today · 4.125%
HK$44,632
baseline
▲ 0.50% · 4.625%
HK$47,348
+HK$2,716/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$89,264/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,723
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$47,976
−HK$1,272/mo
Today · 4.125%
HK$49,248
baseline
▲ 0.50% · 4.625%
HK$51,843
+HK$2,595/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$98,496/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$690,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,399
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$51,966
−HK$1,593/mo
Today · 4.125%
HK$53,559
baseline
▲ 0.50% · 4.625%
HK$56,818
+HK$3,259/mo
Deposit HK$7.37M · loan HK$11.05M · min. income ≈ HK$107,118/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$690,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,068
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$57,572
−HK$1,525/mo
Today · 4.125%
HK$59,097
baseline
▲ 0.50% · 4.625%
HK$62,212
+HK$3,115/mo
Deposit HK$7.37M · loan HK$11.05M · min. income ≈ HK$118,194/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$690,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,798
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$60,627
−HK$1,858/mo
Today · 4.125%
HK$62,485
baseline
▲ 0.50% · 4.625%
HK$66,288
+HK$3,803/mo
Deposit HK$5.53M · loan HK$12.89M · min. income ≈ HK$124,970/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$690,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,412
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$67,167
−HK$1,780/mo
Today · 4.125%
HK$68,947
baseline
▲ 0.50% · 4.625%
HK$72,581
+HK$3,634/mo
Deposit HK$5.53M · loan HK$12.89M · min. income ≈ HK$137,894/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$690,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,598
−HK$4,740/mo
▼ 0.25% · 3.875%
HK$77,949
−HK$2,389/mo
Today · 4.125%
HK$80,338
baseline
▲ 0.50% · 4.625%
HK$85,227
+HK$4,889/mo
Deposit HK$1.84M · loan HK$16.58M · min. income ≈ HK$160,676/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,102
−HK$4,544/mo
▼ 0.25% · 3.875%
HK$86,357
−HK$2,289/mo
Today · 4.125%
HK$88,646
baseline
▲ 0.50% · 4.625%
HK$93,318
+HK$4,672/mo
Deposit HK$1.84M · loan HK$16.58M · min. income ≈ HK$177,292/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$690,692 · Scale 2, in force from 26 Feb 2026)