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$42,450
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$43,770
−HK$1,342/mo
Today · 4.125%
HK$45,112
baseline
▲ 0.50% · 4.625%
HK$47,857
+HK$2,745/mo
Deposit HK$9.31M · loan HK$9.31M · min. income ≈ HK$90,224/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$698,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,225
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$48,492
−HK$1,284/mo
Today · 4.125%
HK$49,776
baseline
▲ 0.50% · 4.625%
HK$52,400
+HK$2,624/mo
Deposit HK$9.31M · loan HK$9.31M · min. income ≈ HK$99,552/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$698,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,940
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$52,524
−HK$1,610/mo
Today · 4.125%
HK$54,134
baseline
▲ 0.50% · 4.625%
HK$57,428
+HK$3,294/mo
Deposit HK$7.45M · loan HK$11.17M · min. income ≈ HK$108,268/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$698,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,670
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$58,190
−HK$1,542/mo
Today · 4.125%
HK$59,732
baseline
▲ 0.50% · 4.625%
HK$62,880
+HK$3,148/mo
Deposit HK$7.45M · loan HK$11.17M · min. income ≈ HK$119,464/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$698,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,430
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$61,278
−HK$1,879/mo
Today · 4.125%
HK$63,157
baseline
▲ 0.50% · 4.625%
HK$66,999
+HK$3,842/mo
Deposit HK$5.58M · loan HK$13.03M · min. income ≈ HK$126,314/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$698,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,115
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$67,888
−HK$1,799/mo
Today · 4.125%
HK$69,687
baseline
▲ 0.50% · 4.625%
HK$73,360
+HK$3,673/mo
Deposit HK$5.58M · loan HK$13.03M · min. income ≈ HK$139,374/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$698,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,410
−HK$4,791/mo
▼ 0.25% · 3.875%
HK$78,786
−HK$2,415/mo
Today · 4.125%
HK$81,201
baseline
▲ 0.50% · 4.625%
HK$86,142
+HK$4,941/mo
Deposit HK$1.86M · loan HK$16.75M · min. income ≈ HK$162,402/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,005
−HK$4,593/mo
▼ 0.25% · 3.875%
HK$87,285
−HK$2,313/mo
Today · 4.125%
HK$89,598
baseline
▲ 0.50% · 4.625%
HK$94,320
+HK$4,722/mo
Deposit HK$1.86M · loan HK$16.75M · min. income ≈ HK$179,196/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,110 · Scale 2, in force from 26 Feb 2026)