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$42,486
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$43,808
−HK$1,342/mo
Today · 4.125%
HK$45,150
baseline
▲ 0.50% · 4.625%
HK$47,898
+HK$2,748/mo
Deposit HK$9.32M · loan HK$9.32M · min. income ≈ HK$90,300/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$698,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,265
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$48,533
−HK$1,286/mo
Today · 4.125%
HK$49,819
baseline
▲ 0.50% · 4.625%
HK$52,445
+HK$2,626/mo
Deposit HK$9.32M · loan HK$9.32M · min. income ≈ HK$99,638/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$698,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,983
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$52,569
−HK$1,611/mo
Today · 4.125%
HK$54,180
baseline
▲ 0.50% · 4.625%
HK$57,477
+HK$3,297/mo
Deposit HK$7.45M · loan HK$11.18M · min. income ≈ HK$108,360/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$698,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,718
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$58,240
−HK$1,543/mo
Today · 4.125%
HK$59,783
baseline
▲ 0.50% · 4.625%
HK$62,934
+HK$3,151/mo
Deposit HK$7.45M · loan HK$11.18M · min. income ≈ HK$119,566/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$698,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,481
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$61,331
−HK$1,879/mo
Today · 4.125%
HK$63,210
baseline
▲ 0.50% · 4.625%
HK$67,057
+HK$3,847/mo
Deposit HK$5.59M · loan HK$13.04M · min. income ≈ HK$126,420/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$698,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,171
−HK$3,576/mo
▼ 0.25% · 3.875%
HK$67,946
−HK$1,801/mo
Today · 4.125%
HK$69,747
baseline
▲ 0.50% · 4.625%
HK$73,423
+HK$3,676/mo
Deposit HK$5.59M · loan HK$13.04M · min. income ≈ HK$139,494/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$698,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,475
−HK$4,796/mo
▼ 0.25% · 3.875%
HK$78,854
−HK$2,417/mo
Today · 4.125%
HK$81,271
baseline
▲ 0.50% · 4.625%
HK$86,216
+HK$4,945/mo
Deposit HK$1.86M · loan HK$16.77M · min. income ≈ HK$162,542/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,078
−HK$4,596/mo
▼ 0.25% · 3.875%
HK$87,359
−HK$2,315/mo
Today · 4.125%
HK$89,674
baseline
▲ 0.50% · 4.625%
HK$94,401
+HK$4,727/mo
Deposit HK$1.86M · loan HK$16.77M · min. income ≈ HK$179,348/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,706 · Scale 2, in force from 26 Feb 2026)