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$43,068
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$44,407
−HK$1,361/mo
Today · 4.125%
HK$45,768
baseline
▲ 0.50% · 4.625%
HK$48,553
+HK$2,785/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$91,536/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$708,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,912
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$49,197
−HK$1,304/mo
Today · 4.125%
HK$50,501
baseline
▲ 0.50% · 4.625%
HK$53,163
+HK$2,662/mo
Deposit HK$9.44M · loan HK$9.44M · min. income ≈ HK$101,002/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$708,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,681
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$53,289
−HK$1,633/mo
Today · 4.125%
HK$54,922
baseline
▲ 0.50% · 4.625%
HK$58,264
+HK$3,342/mo
Deposit HK$7.55M · loan HK$11.33M · min. income ≈ HK$109,844/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$708,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,495
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$59,037
−HK$1,564/mo
Today · 4.125%
HK$60,601
baseline
▲ 0.50% · 4.625%
HK$63,796
+HK$3,195/mo
Deposit HK$7.55M · loan HK$11.33M · min. income ≈ HK$121,202/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$708,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,295
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$62,170
−HK$1,906/mo
Today · 4.125%
HK$64,076
baseline
▲ 0.50% · 4.625%
HK$67,975
+HK$3,899/mo
Deposit HK$5.67M · loan HK$13.22M · min. income ≈ HK$128,152/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$708,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,077
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$68,876
−HK$1,825/mo
Today · 4.125%
HK$70,701
baseline
▲ 0.50% · 4.625%
HK$74,428
+HK$3,727/mo
Deposit HK$5.67M · loan HK$13.22M · min. income ≈ HK$141,402/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$708,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,522
−HK$4,861/mo
▼ 0.25% · 3.875%
HK$79,933
−HK$2,450/mo
Today · 4.125%
HK$82,383
baseline
▲ 0.50% · 4.625%
HK$87,396
+HK$5,013/mo
Deposit HK$1.89M · loan HK$17.00M · min. income ≈ HK$164,766/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,242
−HK$4,660/mo
▼ 0.25% · 3.875%
HK$88,555
−HK$2,347/mo
Today · 4.125%
HK$90,902
baseline
▲ 0.50% · 4.625%
HK$95,693
+HK$4,791/mo
Deposit HK$1.89M · loan HK$17.00M · min. income ≈ HK$181,804/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,272 · Scale 2, in force from 26 Feb 2026)