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$41,946
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$43,251
−HK$1,326/mo
Today · 4.125%
HK$44,577
baseline
▲ 0.50% · 4.625%
HK$47,289
+HK$2,712/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$89,154/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$689,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,665
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$47,917
−HK$1,269/mo
Today · 4.125%
HK$49,186
baseline
▲ 0.50% · 4.625%
HK$51,779
+HK$2,593/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$98,372/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$689,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,336
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$51,902
−HK$1,590/mo
Today · 4.125%
HK$53,492
baseline
▲ 0.50% · 4.625%
HK$56,747
+HK$3,255/mo
Deposit HK$7.36M · loan HK$11.04M · min. income ≈ HK$106,984/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$689,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,998
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$57,500
−HK$1,523/mo
Today · 4.125%
HK$59,023
baseline
▲ 0.50% · 4.625%
HK$62,135
+HK$3,112/mo
Deposit HK$7.36M · loan HK$11.04M · min. income ≈ HK$118,046/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$689,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,725
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$60,552
−HK$1,856/mo
Today · 4.125%
HK$62,408
baseline
▲ 0.50% · 4.625%
HK$66,205
+HK$3,797/mo
Deposit HK$5.52M · loan HK$12.88M · min. income ≈ HK$124,816/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$689,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,331
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$67,083
−HK$1,778/mo
Today · 4.125%
HK$68,861
baseline
▲ 0.50% · 4.625%
HK$72,490
+HK$3,629/mo
Deposit HK$5.52M · loan HK$12.88M · min. income ≈ HK$137,722/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$689,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,504
−HK$4,734/mo
▼ 0.25% · 3.875%
HK$77,852
−HK$2,386/mo
Today · 4.125%
HK$80,238
baseline
▲ 0.50% · 4.625%
HK$85,121
+HK$4,883/mo
Deposit HK$1.84M · loan HK$16.56M · min. income ≈ HK$160,476/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,997
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$86,250
−HK$2,285/mo
Today · 4.125%
HK$88,535
baseline
▲ 0.50% · 4.625%
HK$93,202
+HK$4,667/mo
Deposit HK$1.84M · loan HK$16.56M · min. income ≈ HK$177,070/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,832 · Scale 2, in force from 26 Feb 2026)