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$41,836
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$43,137
−HK$1,322/mo
Today · 4.125%
HK$44,459
baseline
▲ 0.50% · 4.625%
HK$47,165
+HK$2,706/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$88,918/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$688,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,542
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$47,790
−HK$1,266/mo
Today · 4.125%
HK$49,056
baseline
▲ 0.50% · 4.625%
HK$51,642
+HK$2,586/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$98,112/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$688,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,203
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$51,765
−HK$1,586/mo
Today · 4.125%
HK$53,351
baseline
▲ 0.50% · 4.625%
HK$56,597
+HK$3,246/mo
Deposit HK$7.34M · loan HK$11.01M · min. income ≈ HK$106,702/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$688,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,850
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$57,348
−HK$1,520/mo
Today · 4.125%
HK$58,868
baseline
▲ 0.50% · 4.625%
HK$61,971
+HK$3,103/mo
Deposit HK$7.34M · loan HK$11.01M · min. income ≈ HK$117,736/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$688,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,570
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$60,392
−HK$1,851/mo
Today · 4.125%
HK$62,243
baseline
▲ 0.50% · 4.625%
HK$66,030
+HK$3,787/mo
Deposit HK$5.50M · loan HK$12.84M · min. income ≈ HK$124,486/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$688,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,159
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$66,906
−HK$1,773/mo
Today · 4.125%
HK$68,679
baseline
▲ 0.50% · 4.625%
HK$72,299
+HK$3,620/mo
Deposit HK$5.50M · loan HK$12.84M · min. income ≈ HK$137,358/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$688,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,305
−HK$4,722/mo
▼ 0.25% · 3.875%
HK$77,647
−HK$2,380/mo
Today · 4.125%
HK$80,027
baseline
▲ 0.50% · 4.625%
HK$84,896
+HK$4,869/mo
Deposit HK$1.83M · loan HK$16.51M · min. income ≈ HK$160,054/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$688,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,776
−HK$4,526/mo
▼ 0.25% · 3.875%
HK$86,022
−HK$2,280/mo
Today · 4.125%
HK$88,302
baseline
▲ 0.50% · 4.625%
HK$92,956
+HK$4,654/mo
Deposit HK$1.83M · loan HK$16.51M · min. income ≈ HK$176,604/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$688,013 · Scale 2, in force from 26 Feb 2026)