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$42,079
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$43,388
−HK$1,330/mo
Today · 4.125%
HK$44,718
baseline
▲ 0.50% · 4.625%
HK$47,439
+HK$2,721/mo
Deposit HK$9.23M · loan HK$9.23M · min. income ≈ HK$89,436/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$692,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,813
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$48,068
−HK$1,274/mo
Today · 4.125%
HK$49,342
baseline
▲ 0.50% · 4.625%
HK$51,943
+HK$2,601/mo
Deposit HK$9.23M · loan HK$9.23M · min. income ≈ HK$98,684/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$692,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,495
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$52,066
−HK$1,596/mo
Today · 4.125%
HK$53,662
baseline
▲ 0.50% · 4.625%
HK$56,927
+HK$3,265/mo
Deposit HK$7.38M · loan HK$11.07M · min. income ≈ HK$107,324/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$692,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,175
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$57,682
−HK$1,528/mo
Today · 4.125%
HK$59,210
baseline
▲ 0.50% · 4.625%
HK$62,331
+HK$3,121/mo
Deposit HK$7.38M · loan HK$11.07M · min. income ≈ HK$118,420/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$692,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,911
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$60,743
−HK$1,862/mo
Today · 4.125%
HK$62,605
baseline
▲ 0.50% · 4.625%
HK$66,414
+HK$3,809/mo
Deposit HK$5.54M · loan HK$12.92M · min. income ≈ HK$125,210/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$692,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,538
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$67,295
−HK$1,784/mo
Today · 4.125%
HK$69,079
baseline
▲ 0.50% · 4.625%
HK$72,720
+HK$3,641/mo
Deposit HK$5.54M · loan HK$12.92M · min. income ≈ HK$138,158/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$692,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,743
−HK$4,749/mo
▼ 0.25% · 3.875%
HK$78,099
−HK$2,393/mo
Today · 4.125%
HK$80,492
baseline
▲ 0.50% · 4.625%
HK$85,390
+HK$4,898/mo
Deposit HK$1.85M · loan HK$16.61M · min. income ≈ HK$160,984/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,263
−HK$4,552/mo
▼ 0.25% · 3.875%
HK$86,523
−HK$2,292/mo
Today · 4.125%
HK$88,815
baseline
▲ 0.50% · 4.625%
HK$93,497
+HK$4,682/mo
Deposit HK$1.85M · loan HK$16.61M · min. income ≈ HK$177,630/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$692,015 · Scale 2, in force from 26 Feb 2026)