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$42,217
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$43,530
−HK$1,334/mo
Today · 4.125%
HK$44,864
baseline
▲ 0.50% · 4.625%
HK$47,594
+HK$2,730/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$89,728/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$694,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,965
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$48,225
−HK$1,278/mo
Today · 4.125%
HK$49,503
baseline
▲ 0.50% · 4.625%
HK$52,112
+HK$2,609/mo
Deposit HK$9.26M · loan HK$9.26M · min. income ≈ HK$99,006/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$694,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,660
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$52,236
−HK$1,601/mo
Today · 4.125%
HK$53,837
baseline
▲ 0.50% · 4.625%
HK$57,112
+HK$3,275/mo
Deposit HK$7.41M · loan HK$11.11M · min. income ≈ HK$107,674/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,359
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$57,870
−HK$1,533/mo
Today · 4.125%
HK$59,403
baseline
▲ 0.50% · 4.625%
HK$62,535
+HK$3,132/mo
Deposit HK$7.41M · loan HK$11.11M · min. income ≈ HK$118,806/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$694,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,103
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$60,942
−HK$1,867/mo
Today · 4.125%
HK$62,809
baseline
▲ 0.50% · 4.625%
HK$66,631
+HK$3,822/mo
Deposit HK$5.55M · loan HK$12.96M · min. income ≈ HK$125,618/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,752
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$67,515
−HK$1,789/mo
Today · 4.125%
HK$69,304
baseline
▲ 0.50% · 4.625%
HK$72,957
+HK$3,653/mo
Deposit HK$5.55M · loan HK$12.96M · min. income ≈ HK$138,608/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$694,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,990
−HK$4,765/mo
▼ 0.25% · 3.875%
HK$78,353
−HK$2,402/mo
Today · 4.125%
HK$80,755
baseline
▲ 0.50% · 4.625%
HK$85,669
+HK$4,914/mo
Deposit HK$1.85M · loan HK$16.66M · min. income ≈ HK$161,510/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,538
−HK$4,567/mo
▼ 0.25% · 3.875%
HK$86,805
−HK$2,300/mo
Today · 4.125%
HK$89,105
baseline
▲ 0.50% · 4.625%
HK$93,802
+HK$4,697/mo
Deposit HK$1.85M · loan HK$16.66M · min. income ≈ HK$178,210/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$694,273 · Scale 2, in force from 26 Feb 2026)