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$41,064
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$42,342
−HK$1,297/mo
Today · 4.125%
HK$43,639
baseline
▲ 0.50% · 4.625%
HK$46,295
+HK$2,656/mo
Deposit HK$9.00M · loan HK$9.00M · min. income ≈ HK$87,278/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,684
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$46,909
−HK$1,243/mo
Today · 4.125%
HK$48,152
baseline
▲ 0.50% · 4.625%
HK$50,690
+HK$2,538/mo
Deposit HK$9.00M · loan HK$9.00M · min. income ≈ HK$96,304/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,277
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$50,810
−HK$1,557/mo
Today · 4.125%
HK$52,367
baseline
▲ 0.50% · 4.625%
HK$55,554
+HK$3,187/mo
Deposit HK$7.20M · loan HK$10.81M · min. income ≈ HK$104,734/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,820
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$56,290
−HK$1,492/mo
Today · 4.125%
HK$57,782
baseline
▲ 0.50% · 4.625%
HK$60,828
+HK$3,046/mo
Deposit HK$7.20M · loan HK$10.81M · min. income ≈ HK$115,564/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,490
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$59,278
−HK$1,817/mo
Today · 4.125%
HK$61,095
baseline
▲ 0.50% · 4.625%
HK$64,813
+HK$3,718/mo
Deposit HK$5.40M · loan HK$12.61M · min. income ≈ HK$122,190/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,957
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$65,672
−HK$1,740/mo
Today · 4.125%
HK$67,412
baseline
▲ 0.50% · 4.625%
HK$70,966
+HK$3,554/mo
Deposit HK$5.40M · loan HK$12.61M · min. income ≈ HK$134,824/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,916
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$76,215
−HK$2,336/mo
Today · 4.125%
HK$78,551
baseline
▲ 0.50% · 4.625%
HK$83,330
+HK$4,779/mo
Deposit HK$1.80M · loan HK$16.21M · min. income ≈ HK$157,102/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,230
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$84,436
−HK$2,237/mo
Today · 4.125%
HK$86,673
baseline
▲ 0.50% · 4.625%
HK$91,242
+HK$4,569/mo
Deposit HK$1.80M · loan HK$16.21M · min. income ≈ HK$173,346/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,323 · Scale 2, in force from 26 Feb 2026)