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$42,297
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$43,612
−HK$1,337/mo
Today · 4.125%
HK$44,949
baseline
▲ 0.50% · 4.625%
HK$47,684
+HK$2,735/mo
Deposit HK$9.27M · loan HK$9.27M · min. income ≈ HK$89,898/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$695,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,054
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$48,316
−HK$1,281/mo
Today · 4.125%
HK$49,597
baseline
▲ 0.50% · 4.625%
HK$52,211
+HK$2,614/mo
Deposit HK$9.27M · loan HK$9.27M · min. income ≈ HK$99,194/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$695,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,756
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$52,335
−HK$1,604/mo
Today · 4.125%
HK$53,939
baseline
▲ 0.50% · 4.625%
HK$57,221
+HK$3,282/mo
Deposit HK$7.42M · loan HK$11.13M · min. income ≈ HK$107,878/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$695,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,465
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$57,980
−HK$1,536/mo
Today · 4.125%
HK$59,516
baseline
▲ 0.50% · 4.625%
HK$62,653
+HK$3,137/mo
Deposit HK$7.42M · loan HK$11.13M · min. income ≈ HK$119,032/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$695,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,215
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$61,057
−HK$1,871/mo
Today · 4.125%
HK$62,928
baseline
▲ 0.50% · 4.625%
HK$66,757
+HK$3,829/mo
Deposit HK$5.56M · loan HK$12.98M · min. income ≈ HK$125,856/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,876
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$67,643
−HK$1,792/mo
Today · 4.125%
HK$69,435
baseline
▲ 0.50% · 4.625%
HK$73,095
+HK$3,660/mo
Deposit HK$5.56M · loan HK$12.98M · min. income ≈ HK$138,870/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,134
−HK$4,774/mo
▼ 0.25% · 3.875%
HK$78,502
−HK$2,406/mo
Today · 4.125%
HK$80,908
baseline
▲ 0.50% · 4.625%
HK$85,831
+HK$4,923/mo
Deposit HK$1.85M · loan HK$16.69M · min. income ≈ HK$161,816/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,698
−HK$4,576/mo
▼ 0.25% · 3.875%
HK$86,970
−HK$2,304/mo
Today · 4.125%
HK$89,274
baseline
▲ 0.50% · 4.625%
HK$93,980
+HK$4,706/mo
Deposit HK$1.85M · loan HK$16.69M · min. income ≈ HK$178,548/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,589 · Scale 2, in force from 26 Feb 2026)