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$44,561
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$45,947
−HK$1,408/mo
Today · 4.125%
HK$47,355
baseline
▲ 0.50% · 4.625%
HK$50,236
+HK$2,881/mo
Deposit HK$9.77M · loan HK$9.77M · min. income ≈ HK$94,710/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$732,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,573
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$50,903
−HK$1,349/mo
Today · 4.125%
HK$52,252
baseline
▲ 0.50% · 4.625%
HK$55,006
+HK$2,754/mo
Deposit HK$9.77M · loan HK$9.77M · min. income ≈ HK$104,504/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$732,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,473
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$55,136
−HK$1,690/mo
Today · 4.125%
HK$56,826
baseline
▲ 0.50% · 4.625%
HK$60,284
+HK$3,458/mo
Deposit HK$7.82M · loan HK$11.73M · min. income ≈ HK$113,652/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$732,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,488
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$61,083
−HK$1,619/mo
Today · 4.125%
HK$62,702
baseline
▲ 0.50% · 4.625%
HK$66,007
+HK$3,305/mo
Deposit HK$7.82M · loan HK$11.73M · min. income ≈ HK$125,404/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$732,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,385
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$64,325
−HK$1,972/mo
Today · 4.125%
HK$66,297
baseline
▲ 0.50% · 4.625%
HK$70,331
+HK$4,034/mo
Deposit HK$5.86M · loan HK$13.68M · min. income ≈ HK$132,594/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$732,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,403
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$71,264
−HK$1,888/mo
Today · 4.125%
HK$73,152
baseline
▲ 0.50% · 4.625%
HK$77,008
+HK$3,856/mo
Deposit HK$5.86M · loan HK$13.68M · min. income ≈ HK$146,304/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$732,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,209
−HK$5,030/mo
▼ 0.25% · 3.875%
HK$82,704
−HK$2,535/mo
Today · 4.125%
HK$85,239
baseline
▲ 0.50% · 4.625%
HK$90,426
+HK$5,187/mo
Deposit HK$1.95M · loan HK$17.59M · min. income ≈ HK$170,478/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$732,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,232
−HK$4,821/mo
▼ 0.25% · 3.875%
HK$91,625
−HK$2,428/mo
Today · 4.125%
HK$94,053
baseline
▲ 0.50% · 4.625%
HK$99,011
+HK$4,958/mo
Deposit HK$1.95M · loan HK$17.59M · min. income ≈ HK$188,106/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$732,824 · Scale 2, in force from 26 Feb 2026)