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$42,874
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$44,207
−HK$1,355/mo
Today · 4.125%
HK$45,562
baseline
▲ 0.50% · 4.625%
HK$48,334
+HK$2,772/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$91,124/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,696
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$48,976
−HK$1,297/mo
Today · 4.125%
HK$50,273
baseline
▲ 0.50% · 4.625%
HK$52,923
+HK$2,650/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$100,546/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,448
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$53,049
−HK$1,626/mo
Today · 4.125%
HK$54,675
baseline
▲ 0.50% · 4.625%
HK$58,001
+HK$3,326/mo
Deposit HK$7.52M · loan HK$11.28M · min. income ≈ HK$109,350/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,236
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$58,771
−HK$1,557/mo
Today · 4.125%
HK$60,328
baseline
▲ 0.50% · 4.625%
HK$63,508
+HK$3,180/mo
Deposit HK$7.52M · loan HK$11.28M · min. income ≈ HK$120,656/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,023
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$61,890
−HK$1,897/mo
Today · 4.125%
HK$63,787
baseline
▲ 0.50% · 4.625%
HK$67,668
+HK$3,881/mo
Deposit HK$5.64M · loan HK$13.16M · min. income ≈ HK$127,574/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,775
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$68,566
−HK$1,817/mo
Today · 4.125%
HK$70,383
baseline
▲ 0.50% · 4.625%
HK$74,093
+HK$3,710/mo
Deposit HK$5.64M · loan HK$13.16M · min. income ≈ HK$140,766/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,172
−HK$4,840/mo
▼ 0.25% · 3.875%
HK$79,573
−HK$2,439/mo
Today · 4.125%
HK$82,012
baseline
▲ 0.50% · 4.625%
HK$87,002
+HK$4,990/mo
Deposit HK$1.88M · loan HK$16.92M · min. income ≈ HK$164,024/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,854
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$88,156
−HK$2,336/mo
Today · 4.125%
HK$90,492
baseline
▲ 0.50% · 4.625%
HK$95,262
+HK$4,770/mo
Deposit HK$1.88M · loan HK$16.92M · min. income ≈ HK$180,984/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,079 · Scale 2, in force from 26 Feb 2026)