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$42,370
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$43,688
−HK$1,339/mo
Today · 4.125%
HK$45,027
baseline
▲ 0.50% · 4.625%
HK$47,767
+HK$2,740/mo
Deposit HK$9.29M · loan HK$9.29M · min. income ≈ HK$90,054/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$696,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,136
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$48,401
−HK$1,282/mo
Today · 4.125%
HK$49,683
baseline
▲ 0.50% · 4.625%
HK$52,302
+HK$2,619/mo
Deposit HK$9.29M · loan HK$9.29M · min. income ≈ HK$99,366/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$696,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,844
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$52,426
−HK$1,607/mo
Today · 4.125%
HK$54,033
baseline
▲ 0.50% · 4.625%
HK$57,320
+HK$3,287/mo
Deposit HK$7.43M · loan HK$11.15M · min. income ≈ HK$108,066/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$696,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,564
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$58,081
−HK$1,539/mo
Today · 4.125%
HK$59,620
baseline
▲ 0.50% · 4.625%
HK$62,762
+HK$3,142/mo
Deposit HK$7.43M · loan HK$11.15M · min. income ≈ HK$119,240/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$696,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,318
−HK$3,720/mo
▼ 0.25% · 3.875%
HK$61,163
−HK$1,875/mo
Today · 4.125%
HK$63,038
baseline
▲ 0.50% · 4.625%
HK$66,874
+HK$3,836/mo
Deposit HK$5.57M · loan HK$13.01M · min. income ≈ HK$126,076/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,991
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$67,761
−HK$1,795/mo
Today · 4.125%
HK$69,556
baseline
▲ 0.50% · 4.625%
HK$73,223
+HK$3,667/mo
Deposit HK$5.57M · loan HK$13.01M · min. income ≈ HK$139,112/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$696,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,266
−HK$4,783/mo
▼ 0.25% · 3.875%
HK$78,639
−HK$2,410/mo
Today · 4.125%
HK$81,049
baseline
▲ 0.50% · 4.625%
HK$85,980
+HK$4,931/mo
Deposit HK$1.86M · loan HK$16.72M · min. income ≈ HK$162,098/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$696,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,845
−HK$4,584/mo
▼ 0.25% · 3.875%
HK$87,121
−HK$2,308/mo
Today · 4.125%
HK$89,429
baseline
▲ 0.50% · 4.625%
HK$94,143
+HK$4,714/mo
Deposit HK$1.86M · loan HK$16.72M · min. income ≈ HK$178,858/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$696,800 · Scale 2, in force from 26 Feb 2026)