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$44,455
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$45,838
−HK$1,405/mo
Today · 4.125%
HK$47,243
baseline
▲ 0.50% · 4.625%
HK$50,117
+HK$2,874/mo
Deposit HK$9.75M · loan HK$9.75M · min. income ≈ HK$94,486/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$731,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,456
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$50,782
−HK$1,346/mo
Today · 4.125%
HK$52,128
baseline
▲ 0.50% · 4.625%
HK$54,875
+HK$2,747/mo
Deposit HK$9.75M · loan HK$9.75M · min. income ≈ HK$104,256/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$731,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,346
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$55,005
−HK$1,686/mo
Today · 4.125%
HK$56,691
baseline
▲ 0.50% · 4.625%
HK$60,141
+HK$3,450/mo
Deposit HK$7.80M · loan HK$11.70M · min. income ≈ HK$113,382/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$731,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,347
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$60,939
−HK$1,614/mo
Today · 4.125%
HK$62,553
baseline
▲ 0.50% · 4.625%
HK$65,851
+HK$3,298/mo
Deposit HK$7.80M · loan HK$11.70M · min. income ≈ HK$125,106/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$731,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,237
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$64,173
−HK$1,967/mo
Today · 4.125%
HK$66,140
baseline
▲ 0.50% · 4.625%
HK$70,164
+HK$4,024/mo
Deposit HK$5.85M · loan HK$13.65M · min. income ≈ HK$132,280/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$731,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,238
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$71,095
−HK$1,884/mo
Today · 4.125%
HK$72,979
baseline
▲ 0.50% · 4.625%
HK$76,826
+HK$3,847/mo
Deposit HK$5.85M · loan HK$13.65M · min. income ≈ HK$145,958/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$731,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,019
−HK$5,018/mo
▼ 0.25% · 3.875%
HK$82,508
−HK$2,529/mo
Today · 4.125%
HK$85,037
baseline
▲ 0.50% · 4.625%
HK$90,211
+HK$5,174/mo
Deposit HK$1.95M · loan HK$17.55M · min. income ≈ HK$170,074/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,020
−HK$4,810/mo
▼ 0.25% · 3.875%
HK$91,408
−HK$2,422/mo
Today · 4.125%
HK$93,830
baseline
▲ 0.50% · 4.625%
HK$98,776
+HK$4,946/mo
Deposit HK$1.95M · loan HK$17.55M · min. income ≈ HK$187,660/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,087 · Scale 2, in force from 26 Feb 2026)