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$42,792
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$44,123
−HK$1,352/mo
Today · 4.125%
HK$45,475
baseline
▲ 0.50% · 4.625%
HK$48,242
+HK$2,767/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$90,950/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$703,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,605
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$48,882
−HK$1,295/mo
Today · 4.125%
HK$50,177
baseline
▲ 0.50% · 4.625%
HK$52,822
+HK$2,645/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$100,354/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$703,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,350
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$52,947
−HK$1,623/mo
Today · 4.125%
HK$54,570
baseline
▲ 0.50% · 4.625%
HK$57,891
+HK$3,321/mo
Deposit HK$7.51M · loan HK$11.26M · min. income ≈ HK$109,140/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,126
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$58,659
−HK$1,554/mo
Today · 4.125%
HK$60,213
baseline
▲ 0.50% · 4.625%
HK$63,387
+HK$3,174/mo
Deposit HK$7.51M · loan HK$11.26M · min. income ≈ HK$120,426/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,908
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$61,772
−HK$1,893/mo
Today · 4.125%
HK$63,665
baseline
▲ 0.50% · 4.625%
HK$67,539
+HK$3,874/mo
Deposit HK$5.63M · loan HK$13.14M · min. income ≈ HK$127,330/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,648
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$68,435
−HK$1,813/mo
Today · 4.125%
HK$70,248
baseline
▲ 0.50% · 4.625%
HK$73,951
+HK$3,703/mo
Deposit HK$5.63M · loan HK$13.14M · min. income ≈ HK$140,496/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,025
−HK$4,830/mo
▼ 0.25% · 3.875%
HK$79,421
−HK$2,434/mo
Today · 4.125%
HK$81,855
baseline
▲ 0.50% · 4.625%
HK$86,836
+HK$4,981/mo
Deposit HK$1.88M · loan HK$16.89M · min. income ≈ HK$163,710/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,690
−HK$4,629/mo
▼ 0.25% · 3.875%
HK$87,988
−HK$2,331/mo
Today · 4.125%
HK$90,319
baseline
▲ 0.50% · 4.625%
HK$95,080
+HK$4,761/mo
Deposit HK$1.88M · loan HK$16.89M · min. income ≈ HK$180,638/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,733 · Scale 2, in force from 26 Feb 2026)