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$42,513
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$43,835
−HK$1,344/mo
Today · 4.125%
HK$45,179
baseline
▲ 0.50% · 4.625%
HK$47,928
+HK$2,749/mo
Deposit HK$9.32M · loan HK$9.32M · min. income ≈ HK$90,358/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$699,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,295
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$48,563
−HK$1,287/mo
Today · 4.125%
HK$49,850
baseline
▲ 0.50% · 4.625%
HK$52,478
+HK$2,628/mo
Deposit HK$9.32M · loan HK$9.32M · min. income ≈ HK$99,700/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$699,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,015
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$52,602
−HK$1,612/mo
Today · 4.125%
HK$54,214
baseline
▲ 0.50% · 4.625%
HK$57,513
+HK$3,299/mo
Deposit HK$7.46M · loan HK$11.19M · min. income ≈ HK$108,428/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,754
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$58,276
−HK$1,544/mo
Today · 4.125%
HK$59,820
baseline
▲ 0.50% · 4.625%
HK$62,974
+HK$3,154/mo
Deposit HK$7.46M · loan HK$11.19M · min. income ≈ HK$119,640/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,518
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$61,369
−HK$1,881/mo
Today · 4.125%
HK$63,250
baseline
▲ 0.50% · 4.625%
HK$67,099
+HK$3,849/mo
Deposit HK$5.59M · loan HK$13.05M · min. income ≈ HK$126,500/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$699,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,213
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$67,989
−HK$1,801/mo
Today · 4.125%
HK$69,790
baseline
▲ 0.50% · 4.625%
HK$73,469
+HK$3,679/mo
Deposit HK$5.59M · loan HK$13.05M · min. income ≈ HK$139,580/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$699,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,523
−HK$4,799/mo
▼ 0.25% · 3.875%
HK$78,903
−HK$2,419/mo
Today · 4.125%
HK$81,322
baseline
▲ 0.50% · 4.625%
HK$86,270
+HK$4,948/mo
Deposit HK$1.86M · loan HK$16.78M · min. income ≈ HK$162,644/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$699,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,131
−HK$4,599/mo
▼ 0.25% · 3.875%
HK$87,414
−HK$2,316/mo
Today · 4.125%
HK$89,730
baseline
▲ 0.50% · 4.625%
HK$94,460
+HK$4,730/mo
Deposit HK$1.86M · loan HK$16.78M · min. income ≈ HK$179,460/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$699,145 · Scale 2, in force from 26 Feb 2026)