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$42,743
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$44,073
−HK$1,351/mo
Today · 4.125%
HK$45,424
baseline
▲ 0.50% · 4.625%
HK$48,188
+HK$2,764/mo
Deposit HK$9.37M · loan HK$9.37M · min. income ≈ HK$90,848/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$702,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,551
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$48,827
−HK$1,294/mo
Today · 4.125%
HK$50,121
baseline
▲ 0.50% · 4.625%
HK$52,762
+HK$2,641/mo
Deposit HK$9.37M · loan HK$9.37M · min. income ≈ HK$100,242/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$702,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,292
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$52,887
−HK$1,621/mo
Today · 4.125%
HK$54,508
baseline
▲ 0.50% · 4.625%
HK$57,825
+HK$3,317/mo
Deposit HK$7.50M · loan HK$11.25M · min. income ≈ HK$109,016/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$702,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,062
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$58,592
−HK$1,553/mo
Today · 4.125%
HK$60,145
baseline
▲ 0.50% · 4.625%
HK$63,315
+HK$3,170/mo
Deposit HK$7.50M · loan HK$11.25M · min. income ≈ HK$120,290/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$702,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,841
−HK$3,752/mo
▼ 0.25% · 3.875%
HK$61,702
−HK$1,891/mo
Today · 4.125%
HK$63,593
baseline
▲ 0.50% · 4.625%
HK$67,463
+HK$3,870/mo
Deposit HK$5.62M · loan HK$13.12M · min. income ≈ HK$127,186/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$702,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,572
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$68,357
−HK$1,812/mo
Today · 4.125%
HK$70,169
baseline
▲ 0.50% · 4.625%
HK$73,867
+HK$3,698/mo
Deposit HK$5.62M · loan HK$13.12M · min. income ≈ HK$140,338/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$702,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,938
−HK$4,825/mo
▼ 0.25% · 3.875%
HK$79,331
−HK$2,432/mo
Today · 4.125%
HK$81,763
baseline
▲ 0.50% · 4.625%
HK$86,738
+HK$4,975/mo
Deposit HK$1.87M · loan HK$16.87M · min. income ≈ HK$163,526/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$702,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,593
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$87,888
−HK$2,329/mo
Today · 4.125%
HK$90,217
baseline
▲ 0.50% · 4.625%
HK$94,972
+HK$4,755/mo
Deposit HK$1.87M · loan HK$16.87M · min. income ≈ HK$180,434/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$702,936 · Scale 2, in force from 26 Feb 2026)