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$44,557
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$45,943
−HK$1,409/mo
Today · 4.125%
HK$47,352
baseline
▲ 0.50% · 4.625%
HK$50,233
+HK$2,881/mo
Deposit HK$9.77M · loan HK$9.77M · min. income ≈ HK$94,704/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$732,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,570
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$50,899
−HK$1,349/mo
Today · 4.125%
HK$52,248
baseline
▲ 0.50% · 4.625%
HK$55,002
+HK$2,754/mo
Deposit HK$9.77M · loan HK$9.77M · min. income ≈ HK$104,496/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$732,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,469
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$55,132
−HK$1,690/mo
Today · 4.125%
HK$56,822
baseline
▲ 0.50% · 4.625%
HK$60,279
+HK$3,457/mo
Deposit HK$7.82M · loan HK$11.72M · min. income ≈ HK$113,644/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$732,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,484
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$61,079
−HK$1,618/mo
Today · 4.125%
HK$62,697
baseline
▲ 0.50% · 4.625%
HK$66,002
+HK$3,305/mo
Deposit HK$7.82M · loan HK$11.72M · min. income ≈ HK$125,394/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$732,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,380
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$64,321
−HK$1,971/mo
Today · 4.125%
HK$66,292
baseline
▲ 0.50% · 4.625%
HK$70,326
+HK$4,034/mo
Deposit HK$5.86M · loan HK$13.68M · min. income ≈ HK$132,584/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$732,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,398
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$71,259
−HK$1,888/mo
Today · 4.125%
HK$73,147
baseline
▲ 0.50% · 4.625%
HK$77,003
+HK$3,856/mo
Deposit HK$5.86M · loan HK$13.68M · min. income ≈ HK$146,294/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$732,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,203
−HK$5,030/mo
▼ 0.25% · 3.875%
HK$82,698
−HK$2,535/mo
Today · 4.125%
HK$85,233
baseline
▲ 0.50% · 4.625%
HK$90,419
+HK$5,186/mo
Deposit HK$1.95M · loan HK$17.59M · min. income ≈ HK$170,466/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$732,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,225
−HK$4,821/mo
▼ 0.25% · 3.875%
HK$91,618
−HK$2,428/mo
Today · 4.125%
HK$94,046
baseline
▲ 0.50% · 4.625%
HK$99,003
+HK$4,957/mo
Deposit HK$1.95M · loan HK$17.59M · min. income ≈ HK$188,092/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$732,770 · Scale 2, in force from 26 Feb 2026)