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$42,198
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$43,510
−HK$1,334/mo
Today · 4.125%
HK$44,844
baseline
▲ 0.50% · 4.625%
HK$47,573
+HK$2,729/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$89,688/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$693,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,945
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$48,204
−HK$1,277/mo
Today · 4.125%
HK$49,481
baseline
▲ 0.50% · 4.625%
HK$52,089
+HK$2,608/mo
Deposit HK$9.25M · loan HK$9.25M · min. income ≈ HK$98,962/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$693,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,637
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$52,213
−HK$1,600/mo
Today · 4.125%
HK$53,813
baseline
▲ 0.50% · 4.625%
HK$57,087
+HK$3,274/mo
Deposit HK$7.40M · loan HK$11.10M · min. income ≈ HK$107,626/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$693,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,334
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$57,844
−HK$1,533/mo
Today · 4.125%
HK$59,377
baseline
▲ 0.50% · 4.625%
HK$62,507
+HK$3,130/mo
Deposit HK$7.40M · loan HK$11.10M · min. income ≈ HK$118,754/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$693,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,077
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$60,915
−HK$1,867/mo
Today · 4.125%
HK$62,782
baseline
▲ 0.50% · 4.625%
HK$66,602
+HK$3,820/mo
Deposit HK$5.55M · loan HK$12.95M · min. income ≈ HK$125,564/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$693,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,723
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$67,485
−HK$1,788/mo
Today · 4.125%
HK$69,273
baseline
▲ 0.50% · 4.625%
HK$72,925
+HK$3,652/mo
Deposit HK$5.55M · loan HK$12.95M · min. income ≈ HK$138,546/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$693,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,956
−HK$4,763/mo
▼ 0.25% · 3.875%
HK$78,319
−HK$2,400/mo
Today · 4.125%
HK$80,719
baseline
▲ 0.50% · 4.625%
HK$85,631
+HK$4,912/mo
Deposit HK$1.85M · loan HK$16.66M · min. income ≈ HK$161,438/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,500
−HK$4,566/mo
▼ 0.25% · 3.875%
HK$86,767
−HK$2,299/mo
Today · 4.125%
HK$89,066
baseline
▲ 0.50% · 4.625%
HK$93,760
+HK$4,694/mo
Deposit HK$1.85M · loan HK$16.66M · min. income ≈ HK$178,132/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$693,966 · Scale 2, in force from 26 Feb 2026)