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$41,804
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$43,104
−HK$1,322/mo
Today · 4.125%
HK$44,426
baseline
▲ 0.50% · 4.625%
HK$47,129
+HK$2,703/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$88,852/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$687,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,507
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$47,754
−HK$1,265/mo
Today · 4.125%
HK$49,019
baseline
▲ 0.50% · 4.625%
HK$51,603
+HK$2,584/mo
Deposit HK$9.17M · loan HK$9.17M · min. income ≈ HK$98,038/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$687,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,165
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$51,725
−HK$1,586/mo
Today · 4.125%
HK$53,311
baseline
▲ 0.50% · 4.625%
HK$56,555
+HK$3,244/mo
Deposit HK$7.33M · loan HK$11.00M · min. income ≈ HK$106,622/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,808
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$57,305
−HK$1,518/mo
Today · 4.125%
HK$58,823
baseline
▲ 0.50% · 4.625%
HK$61,924
+HK$3,101/mo
Deposit HK$7.33M · loan HK$11.00M · min. income ≈ HK$117,646/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,526
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$60,346
−HK$1,850/mo
Today · 4.125%
HK$62,196
baseline
▲ 0.50% · 4.625%
HK$65,980
+HK$3,784/mo
Deposit HK$5.50M · loan HK$12.83M · min. income ≈ HK$124,392/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,109
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$66,855
−HK$1,772/mo
Today · 4.125%
HK$68,627
baseline
▲ 0.50% · 4.625%
HK$72,244
+HK$3,617/mo
Deposit HK$5.50M · loan HK$12.83M · min. income ≈ HK$137,254/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$687,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,247
−HK$4,719/mo
▼ 0.25% · 3.875%
HK$77,588
−HK$2,378/mo
Today · 4.125%
HK$79,966
baseline
▲ 0.50% · 4.625%
HK$84,832
+HK$4,866/mo
Deposit HK$1.83M · loan HK$16.50M · min. income ≈ HK$159,932/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,712
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$85,957
−HK$2,278/mo
Today · 4.125%
HK$88,235
baseline
▲ 0.50% · 4.625%
HK$92,886
+HK$4,651/mo
Deposit HK$1.83M · loan HK$16.50M · min. income ≈ HK$176,470/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,490 · Scale 2, in force from 26 Feb 2026)