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$41,066
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$42,344
−HK$1,297/mo
Today · 4.125%
HK$43,641
baseline
▲ 0.50% · 4.625%
HK$46,297
+HK$2,656/mo
Deposit HK$9.00M · loan HK$9.00M · min. income ≈ HK$87,282/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,686
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$46,911
−HK$1,243/mo
Today · 4.125%
HK$48,154
baseline
▲ 0.50% · 4.625%
HK$50,692
+HK$2,538/mo
Deposit HK$9.00M · loan HK$9.00M · min. income ≈ HK$96,308/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,279
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$50,812
−HK$1,558/mo
Today · 4.125%
HK$52,370
baseline
▲ 0.50% · 4.625%
HK$55,556
+HK$3,186/mo
Deposit HK$7.20M · loan HK$10.81M · min. income ≈ HK$104,740/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,823
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$56,293
−HK$1,492/mo
Today · 4.125%
HK$57,785
baseline
▲ 0.50% · 4.625%
HK$60,831
+HK$3,046/mo
Deposit HK$7.20M · loan HK$10.81M · min. income ≈ HK$115,570/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,493
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$59,281
−HK$1,817/mo
Today · 4.125%
HK$61,098
baseline
▲ 0.50% · 4.625%
HK$64,816
+HK$3,718/mo
Deposit HK$5.40M · loan HK$12.61M · min. income ≈ HK$122,196/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,960
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$65,675
−HK$1,741/mo
Today · 4.125%
HK$67,416
baseline
▲ 0.50% · 4.625%
HK$70,969
+HK$3,553/mo
Deposit HK$5.40M · loan HK$12.61M · min. income ≈ HK$134,832/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,919
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$76,218
−HK$2,336/mo
Today · 4.125%
HK$78,554
baseline
▲ 0.50% · 4.625%
HK$83,334
+HK$4,780/mo
Deposit HK$1.80M · loan HK$16.21M · min. income ≈ HK$157,108/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,234
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$84,440
−HK$2,237/mo
Today · 4.125%
HK$86,677
baseline
▲ 0.50% · 4.625%
HK$91,246
+HK$4,569/mo
Deposit HK$1.80M · loan HK$16.21M · min. income ≈ HK$173,354/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,355 · Scale 2, in force from 26 Feb 2026)