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$42,555
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$43,879
−HK$1,345/mo
Today · 4.125%
HK$45,224
baseline
▲ 0.50% · 4.625%
HK$47,975
+HK$2,751/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$90,448/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$699,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,342
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$48,612
−HK$1,288/mo
Today · 4.125%
HK$49,900
baseline
▲ 0.50% · 4.625%
HK$52,530
+HK$2,630/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$99,800/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$699,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,066
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$52,654
−HK$1,614/mo
Today · 4.125%
HK$54,268
baseline
▲ 0.50% · 4.625%
HK$57,570
+HK$3,302/mo
Deposit HK$7.46M · loan HK$11.20M · min. income ≈ HK$108,536/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,810
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$58,334
−HK$1,546/mo
Today · 4.125%
HK$59,880
baseline
▲ 0.50% · 4.625%
HK$63,036
+HK$3,156/mo
Deposit HK$7.46M · loan HK$11.20M · min. income ≈ HK$119,760/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,577
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$61,430
−HK$1,883/mo
Today · 4.125%
HK$63,313
baseline
▲ 0.50% · 4.625%
HK$67,165
+HK$3,852/mo
Deposit HK$5.60M · loan HK$13.06M · min. income ≈ HK$126,626/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$699,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,279
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$68,056
−HK$1,804/mo
Today · 4.125%
HK$69,860
baseline
▲ 0.50% · 4.625%
HK$73,542
+HK$3,682/mo
Deposit HK$5.60M · loan HK$13.06M · min. income ≈ HK$139,720/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$699,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,599
−HK$4,803/mo
▼ 0.25% · 3.875%
HK$78,982
−HK$2,420/mo
Today · 4.125%
HK$81,402
baseline
▲ 0.50% · 4.625%
HK$86,355
+HK$4,953/mo
Deposit HK$1.87M · loan HK$16.80M · min. income ≈ HK$162,804/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$699,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,215
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$87,501
−HK$2,318/mo
Today · 4.125%
HK$89,819
baseline
▲ 0.50% · 4.625%
HK$94,554
+HK$4,735/mo
Deposit HK$1.87M · loan HK$16.80M · min. income ≈ HK$179,638/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$699,838 · Scale 2, in force from 26 Feb 2026)