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$42,747
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$44,077
−HK$1,351/mo
Today · 4.125%
HK$45,428
baseline
▲ 0.50% · 4.625%
HK$48,192
+HK$2,764/mo
Deposit HK$9.37M · loan HK$9.37M · min. income ≈ HK$90,856/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$702,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,556
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$48,831
−HK$1,294/mo
Today · 4.125%
HK$50,125
baseline
▲ 0.50% · 4.625%
HK$52,767
+HK$2,642/mo
Deposit HK$9.37M · loan HK$9.37M · min. income ≈ HK$100,250/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$702,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,297
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$52,892
−HK$1,621/mo
Today · 4.125%
HK$54,513
baseline
▲ 0.50% · 4.625%
HK$57,830
+HK$3,317/mo
Deposit HK$7.50M · loan HK$11.25M · min. income ≈ HK$109,026/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$702,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,067
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$58,597
−HK$1,553/mo
Today · 4.125%
HK$60,150
baseline
▲ 0.50% · 4.625%
HK$63,321
+HK$3,171/mo
Deposit HK$7.50M · loan HK$11.25M · min. income ≈ HK$120,300/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$702,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,846
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$61,708
−HK$1,891/mo
Today · 4.125%
HK$63,599
baseline
▲ 0.50% · 4.625%
HK$67,469
+HK$3,870/mo
Deposit HK$5.62M · loan HK$13.12M · min. income ≈ HK$127,198/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$702,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,578
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$68,364
−HK$1,811/mo
Today · 4.125%
HK$70,175
baseline
▲ 0.50% · 4.625%
HK$73,874
+HK$3,699/mo
Deposit HK$5.62M · loan HK$13.12M · min. income ≈ HK$140,350/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$702,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,945
−HK$4,825/mo
▼ 0.25% · 3.875%
HK$79,338
−HK$2,432/mo
Today · 4.125%
HK$81,770
baseline
▲ 0.50% · 4.625%
HK$86,745
+HK$4,975/mo
Deposit HK$1.87M · loan HK$16.87M · min. income ≈ HK$163,540/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$702,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,600
−HK$4,625/mo
▼ 0.25% · 3.875%
HK$87,896
−HK$2,329/mo
Today · 4.125%
HK$90,225
baseline
▲ 0.50% · 4.625%
HK$94,981
+HK$4,756/mo
Deposit HK$1.87M · loan HK$16.87M · min. income ≈ HK$180,450/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$702,999 · Scale 2, in force from 26 Feb 2026)