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$42,189
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$43,502
−HK$1,333/mo
Today · 4.125%
HK$44,835
baseline
▲ 0.50% · 4.625%
HK$47,563
+HK$2,728/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$89,670/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,935
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$48,194
−HK$1,277/mo
Today · 4.125%
HK$49,471
baseline
▲ 0.50% · 4.625%
HK$52,079
+HK$2,608/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$98,942/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,627
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$52,202
−HK$1,600/mo
Today · 4.125%
HK$53,802
baseline
▲ 0.50% · 4.625%
HK$57,076
+HK$3,274/mo
Deposit HK$7.40M · loan HK$11.10M · min. income ≈ HK$107,604/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,322
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$57,833
−HK$1,532/mo
Today · 4.125%
HK$59,365
baseline
▲ 0.50% · 4.625%
HK$62,494
+HK$3,129/mo
Deposit HK$7.40M · loan HK$11.10M · min. income ≈ HK$118,730/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,065
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$60,902
−HK$1,867/mo
Today · 4.125%
HK$62,769
baseline
▲ 0.50% · 4.625%
HK$66,588
+HK$3,819/mo
Deposit HK$5.55M · loan HK$12.95M · min. income ≈ HK$125,538/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,709
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$67,472
−HK$1,787/mo
Today · 4.125%
HK$69,259
baseline
▲ 0.50% · 4.625%
HK$72,910
+HK$3,651/mo
Deposit HK$5.55M · loan HK$12.95M · min. income ≈ HK$138,518/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,941
−HK$4,762/mo
▼ 0.25% · 3.875%
HK$78,303
−HK$2,400/mo
Today · 4.125%
HK$80,703
baseline
▲ 0.50% · 4.625%
HK$85,613
+HK$4,910/mo
Deposit HK$1.85M · loan HK$16.65M · min. income ≈ HK$161,406/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,483
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$86,749
−HK$2,299/mo
Today · 4.125%
HK$89,048
baseline
▲ 0.50% · 4.625%
HK$93,742
+HK$4,694/mo
Deposit HK$1.85M · loan HK$16.65M · min. income ≈ HK$178,096/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,825 · Scale 2, in force from 26 Feb 2026)