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$42,881
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$44,215
−HK$1,355/mo
Today · 4.125%
HK$45,570
baseline
▲ 0.50% · 4.625%
HK$48,343
+HK$2,773/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$91,140/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,705
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$48,984
−HK$1,298/mo
Today · 4.125%
HK$50,282
baseline
▲ 0.50% · 4.625%
HK$52,933
+HK$2,651/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$100,564/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,457
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$53,058
−HK$1,626/mo
Today · 4.125%
HK$54,684
baseline
▲ 0.50% · 4.625%
HK$58,012
+HK$3,328/mo
Deposit HK$7.52M · loan HK$11.28M · min. income ≈ HK$109,368/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,246
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$58,781
−HK$1,558/mo
Today · 4.125%
HK$60,339
baseline
▲ 0.50% · 4.625%
HK$63,519
+HK$3,180/mo
Deposit HK$7.52M · loan HK$11.28M · min. income ≈ HK$120,678/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,034
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$61,901
−HK$1,897/mo
Today · 4.125%
HK$63,798
baseline
▲ 0.50% · 4.625%
HK$67,680
+HK$3,882/mo
Deposit HK$5.64M · loan HK$13.16M · min. income ≈ HK$127,596/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,787
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$68,578
−HK$1,817/mo
Today · 4.125%
HK$70,395
baseline
▲ 0.50% · 4.625%
HK$74,106
+HK$3,711/mo
Deposit HK$5.64M · loan HK$13.16M · min. income ≈ HK$140,790/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,186
−HK$4,840/mo
▼ 0.25% · 3.875%
HK$79,587
−HK$2,439/mo
Today · 4.125%
HK$82,026
baseline
▲ 0.50% · 4.625%
HK$87,017
+HK$4,991/mo
Deposit HK$1.88M · loan HK$16.92M · min. income ≈ HK$164,052/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,869
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$88,172
−HK$2,336/mo
Today · 4.125%
HK$90,508
baseline
▲ 0.50% · 4.625%
HK$95,279
+HK$4,771/mo
Deposit HK$1.88M · loan HK$16.92M · min. income ≈ HK$181,016/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,204 · Scale 2, in force from 26 Feb 2026)