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$42,193
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$43,505
−HK$1,334/mo
Today · 4.125%
HK$44,839
baseline
▲ 0.50% · 4.625%
HK$47,567
+HK$2,728/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$89,678/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$693,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,939
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$48,198
−HK$1,277/mo
Today · 4.125%
HK$49,475
baseline
▲ 0.50% · 4.625%
HK$52,083
+HK$2,608/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$98,950/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$693,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,632
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$52,207
−HK$1,600/mo
Today · 4.125%
HK$53,807
baseline
▲ 0.50% · 4.625%
HK$57,081
+HK$3,274/mo
Deposit HK$7.40M · loan HK$11.10M · min. income ≈ HK$107,614/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$693,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,327
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$57,838
−HK$1,532/mo
Today · 4.125%
HK$59,370
baseline
▲ 0.50% · 4.625%
HK$62,500
+HK$3,130/mo
Deposit HK$7.40M · loan HK$11.10M · min. income ≈ HK$118,740/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$693,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,070
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$60,908
−HK$1,866/mo
Today · 4.125%
HK$62,774
baseline
▲ 0.50% · 4.625%
HK$66,594
+HK$3,820/mo
Deposit HK$5.55M · loan HK$12.95M · min. income ≈ HK$125,548/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,715
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$67,477
−HK$1,788/mo
Today · 4.125%
HK$69,265
baseline
▲ 0.50% · 4.625%
HK$72,916
+HK$3,651/mo
Deposit HK$5.55M · loan HK$12.95M · min. income ≈ HK$138,530/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,947
−HK$4,763/mo
▼ 0.25% · 3.875%
HK$78,310
−HK$2,400/mo
Today · 4.125%
HK$80,710
baseline
▲ 0.50% · 4.625%
HK$85,621
+HK$4,911/mo
Deposit HK$1.85M · loan HK$16.65M · min. income ≈ HK$161,420/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,491
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$86,757
−HK$2,299/mo
Today · 4.125%
HK$89,056
baseline
▲ 0.50% · 4.625%
HK$93,750
+HK$4,694/mo
Deposit HK$1.85M · loan HK$16.65M · min. income ≈ HK$178,112/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,887 · Scale 2, in force from 26 Feb 2026)