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$41,782
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$43,082
−HK$1,320/mo
Today · 4.125%
HK$44,402
baseline
▲ 0.50% · 4.625%
HK$47,104
+HK$2,702/mo
Deposit HK$9.16M · loan HK$9.16M · min. income ≈ HK$88,804/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$687,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,482
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$47,729
−HK$1,265/mo
Today · 4.125%
HK$48,994
baseline
▲ 0.50% · 4.625%
HK$51,576
+HK$2,582/mo
Deposit HK$9.16M · loan HK$9.16M · min. income ≈ HK$97,988/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$687,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,139
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$51,698
−HK$1,585/mo
Today · 4.125%
HK$53,283
baseline
▲ 0.50% · 4.625%
HK$56,525
+HK$3,242/mo
Deposit HK$7.33M · loan HK$10.99M · min. income ≈ HK$106,566/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,779
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$57,275
−HK$1,517/mo
Today · 4.125%
HK$58,792
baseline
▲ 0.50% · 4.625%
HK$61,891
+HK$3,099/mo
Deposit HK$7.33M · loan HK$10.99M · min. income ≈ HK$117,584/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,495
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$60,315
−HK$1,848/mo
Today · 4.125%
HK$62,163
baseline
▲ 0.50% · 4.625%
HK$65,946
+HK$3,783/mo
Deposit HK$5.50M · loan HK$12.83M · min. income ≈ HK$124,326/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$687,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,075
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$66,821
−HK$1,770/mo
Today · 4.125%
HK$68,591
baseline
▲ 0.50% · 4.625%
HK$72,207
+HK$3,616/mo
Deposit HK$5.50M · loan HK$12.83M · min. income ≈ HK$137,182/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$687,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,208
−HK$4,716/mo
▼ 0.25% · 3.875%
HK$77,548
−HK$2,376/mo
Today · 4.125%
HK$79,924
baseline
▲ 0.50% · 4.625%
HK$84,788
+HK$4,864/mo
Deposit HK$1.83M · loan HK$16.49M · min. income ≈ HK$159,848/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,668
−HK$4,521/mo
▼ 0.25% · 3.875%
HK$85,912
−HK$2,277/mo
Today · 4.125%
HK$88,189
baseline
▲ 0.50% · 4.625%
HK$92,837
+HK$4,648/mo
Deposit HK$1.83M · loan HK$16.49M · min. income ≈ HK$176,378/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,132 · Scale 2, in force from 26 Feb 2026)