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$42,737
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$44,066
−HK$1,351/mo
Today · 4.125%
HK$45,417
baseline
▲ 0.50% · 4.625%
HK$48,180
+HK$2,763/mo
Deposit HK$9.37M · loan HK$9.37M · min. income ≈ HK$90,834/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$702,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,544
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$48,819
−HK$1,294/mo
Today · 4.125%
HK$50,113
baseline
▲ 0.50% · 4.625%
HK$52,754
+HK$2,641/mo
Deposit HK$9.37M · loan HK$9.37M · min. income ≈ HK$100,226/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$702,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,284
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$52,879
−HK$1,621/mo
Today · 4.125%
HK$54,500
baseline
▲ 0.50% · 4.625%
HK$57,816
+HK$3,316/mo
Deposit HK$7.50M · loan HK$11.25M · min. income ≈ HK$109,000/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$702,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,053
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$58,583
−HK$1,553/mo
Today · 4.125%
HK$60,136
baseline
▲ 0.50% · 4.625%
HK$63,305
+HK$3,169/mo
Deposit HK$7.50M · loan HK$11.25M · min. income ≈ HK$120,272/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$702,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,832
−HK$3,751/mo
▼ 0.25% · 3.875%
HK$61,693
−HK$1,890/mo
Today · 4.125%
HK$63,583
baseline
▲ 0.50% · 4.625%
HK$67,452
+HK$3,869/mo
Deposit HK$5.62M · loan HK$13.12M · min. income ≈ HK$127,166/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$702,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,562
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$68,347
−HK$1,811/mo
Today · 4.125%
HK$70,158
baseline
▲ 0.50% · 4.625%
HK$73,856
+HK$3,698/mo
Deposit HK$5.62M · loan HK$13.12M · min. income ≈ HK$140,316/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$702,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,926
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$79,319
−HK$2,431/mo
Today · 4.125%
HK$81,750
baseline
▲ 0.50% · 4.625%
HK$86,725
+HK$4,975/mo
Deposit HK$1.87M · loan HK$16.87M · min. income ≈ HK$163,500/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$702,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,580
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$87,875
−HK$2,328/mo
Today · 4.125%
HK$90,203
baseline
▲ 0.50% · 4.625%
HK$94,958
+HK$4,755/mo
Deposit HK$1.87M · loan HK$16.87M · min. income ≈ HK$180,406/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$702,829 · Scale 2, in force from 26 Feb 2026)