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$42,748
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$44,078
−HK$1,351/mo
Today · 4.125%
HK$45,429
baseline
▲ 0.50% · 4.625%
HK$48,193
+HK$2,764/mo
Deposit HK$9.37M · loan HK$9.37M · min. income ≈ HK$90,858/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$703,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,557
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$48,833
−HK$1,293/mo
Today · 4.125%
HK$50,126
baseline
▲ 0.50% · 4.625%
HK$52,769
+HK$2,643/mo
Deposit HK$9.37M · loan HK$9.37M · min. income ≈ HK$100,252/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$703,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,298
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$52,894
−HK$1,621/mo
Today · 4.125%
HK$54,515
baseline
▲ 0.50% · 4.625%
HK$57,832
+HK$3,317/mo
Deposit HK$7.50M · loan HK$11.25M · min. income ≈ HK$109,030/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$703,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,069
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$58,599
−HK$1,553/mo
Today · 4.125%
HK$60,152
baseline
▲ 0.50% · 4.625%
HK$63,322
+HK$3,170/mo
Deposit HK$7.50M · loan HK$11.25M · min. income ≈ HK$120,304/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$703,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,848
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$61,709
−HK$1,892/mo
Today · 4.125%
HK$63,601
baseline
▲ 0.50% · 4.625%
HK$67,471
+HK$3,870/mo
Deposit HK$5.62M · loan HK$13.12M · min. income ≈ HK$127,202/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,580
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$68,366
−HK$1,811/mo
Today · 4.125%
HK$70,177
baseline
▲ 0.50% · 4.625%
HK$73,876
+HK$3,699/mo
Deposit HK$5.62M · loan HK$13.12M · min. income ≈ HK$140,354/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,947
−HK$4,825/mo
▼ 0.25% · 3.875%
HK$79,341
−HK$2,431/mo
Today · 4.125%
HK$81,772
baseline
▲ 0.50% · 4.625%
HK$86,748
+HK$4,976/mo
Deposit HK$1.87M · loan HK$16.87M · min. income ≈ HK$163,544/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,603
−HK$4,625/mo
▼ 0.25% · 3.875%
HK$87,899
−HK$2,329/mo
Today · 4.125%
HK$90,228
baseline
▲ 0.50% · 4.625%
HK$94,984
+HK$4,756/mo
Deposit HK$1.87M · loan HK$16.87M · min. income ≈ HK$180,456/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,020 · Scale 2, in force from 26 Feb 2026)