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$42,182
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$43,494
−HK$1,333/mo
Today · 4.125%
HK$44,827
baseline
▲ 0.50% · 4.625%
HK$47,555
+HK$2,728/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$89,654/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,927
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$48,186
−HK$1,276/mo
Today · 4.125%
HK$49,462
baseline
▲ 0.50% · 4.625%
HK$52,070
+HK$2,608/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$98,924/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$693,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,619
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$52,193
−HK$1,600/mo
Today · 4.125%
HK$53,793
baseline
▲ 0.50% · 4.625%
HK$57,066
+HK$3,273/mo
Deposit HK$7.40M · loan HK$11.10M · min. income ≈ HK$107,586/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,313
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$57,823
−HK$1,532/mo
Today · 4.125%
HK$59,355
baseline
▲ 0.50% · 4.625%
HK$62,484
+HK$3,129/mo
Deposit HK$7.40M · loan HK$11.10M · min. income ≈ HK$118,710/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$693,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,055
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$60,892
−HK$1,866/mo
Today · 4.125%
HK$62,758
baseline
▲ 0.50% · 4.625%
HK$66,577
+HK$3,819/mo
Deposit HK$5.55M · loan HK$12.95M · min. income ≈ HK$125,516/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,698
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$67,460
−HK$1,787/mo
Today · 4.125%
HK$69,247
baseline
▲ 0.50% · 4.625%
HK$72,898
+HK$3,651/mo
Deposit HK$5.55M · loan HK$12.95M · min. income ≈ HK$138,494/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$693,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,928
−HK$4,761/mo
▼ 0.25% · 3.875%
HK$78,290
−HK$2,399/mo
Today · 4.125%
HK$80,689
baseline
▲ 0.50% · 4.625%
HK$85,599
+HK$4,910/mo
Deposit HK$1.85M · loan HK$16.65M · min. income ≈ HK$161,378/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,469
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$86,734
−HK$2,298/mo
Today · 4.125%
HK$89,032
baseline
▲ 0.50% · 4.625%
HK$93,725
+HK$4,693/mo
Deposit HK$1.85M · loan HK$16.65M · min. income ≈ HK$178,064/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,707 · Scale 2, in force from 26 Feb 2026)