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$41,944
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$43,249
−HK$1,326/mo
Today · 4.125%
HK$44,575
baseline
▲ 0.50% · 4.625%
HK$47,287
+HK$2,712/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$89,150/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$689,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,663
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$47,914
−HK$1,270/mo
Today · 4.125%
HK$49,184
baseline
▲ 0.50% · 4.625%
HK$51,776
+HK$2,592/mo
Deposit HK$9.20M · loan HK$9.20M · min. income ≈ HK$98,368/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$689,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,333
−HK$3,157/mo
▼ 0.25% · 3.875%
HK$51,899
−HK$1,591/mo
Today · 4.125%
HK$53,490
baseline
▲ 0.50% · 4.625%
HK$56,744
+HK$3,254/mo
Deposit HK$7.36M · loan HK$11.04M · min. income ≈ HK$106,980/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$689,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,995
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$57,497
−HK$1,523/mo
Today · 4.125%
HK$59,020
baseline
▲ 0.50% · 4.625%
HK$62,131
+HK$3,111/mo
Deposit HK$7.36M · loan HK$11.04M · min. income ≈ HK$118,040/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$689,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,722
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$60,549
−HK$1,855/mo
Today · 4.125%
HK$62,404
baseline
▲ 0.50% · 4.625%
HK$66,202
+HK$3,798/mo
Deposit HK$5.52M · loan HK$12.88M · min. income ≈ HK$124,808/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$689,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,328
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$67,080
−HK$1,777/mo
Today · 4.125%
HK$68,857
baseline
▲ 0.50% · 4.625%
HK$72,487
+HK$3,630/mo
Deposit HK$5.52M · loan HK$12.88M · min. income ≈ HK$137,714/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$689,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,500
−HK$4,734/mo
▼ 0.25% · 3.875%
HK$77,848
−HK$2,386/mo
Today · 4.125%
HK$80,234
baseline
▲ 0.50% · 4.625%
HK$85,116
+HK$4,882/mo
Deposit HK$1.84M · loan HK$16.56M · min. income ≈ HK$160,468/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,993
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$86,245
−HK$2,286/mo
Today · 4.125%
HK$88,531
baseline
▲ 0.50% · 4.625%
HK$93,197
+HK$4,666/mo
Deposit HK$1.84M · loan HK$16.56M · min. income ≈ HK$177,062/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,797 · Scale 2, in force from 26 Feb 2026)