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$42,612
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$43,937
−HK$1,347/mo
Today · 4.125%
HK$45,284
baseline
▲ 0.50% · 4.625%
HK$48,039
+HK$2,755/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$90,568/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,405
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$48,677
−HK$1,289/mo
Today · 4.125%
HK$49,966
baseline
▲ 0.50% · 4.625%
HK$52,600
+HK$2,634/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$99,932/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,134
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$52,725
−HK$1,616/mo
Today · 4.125%
HK$54,341
baseline
▲ 0.50% · 4.625%
HK$57,647
+HK$3,306/mo
Deposit HK$7.47M · loan HK$11.21M · min. income ≈ HK$108,682/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$700,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,886
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$58,412
−HK$1,548/mo
Today · 4.125%
HK$59,960
baseline
▲ 0.50% · 4.625%
HK$63,120
+HK$3,160/mo
Deposit HK$7.47M · loan HK$11.21M · min. income ≈ HK$119,920/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$700,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,657
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$61,512
−HK$1,886/mo
Today · 4.125%
HK$63,398
baseline
▲ 0.50% · 4.625%
HK$67,255
+HK$3,857/mo
Deposit HK$5.61M · loan HK$13.08M · min. income ≈ HK$126,796/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$700,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,367
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$68,147
−HK$1,806/mo
Today · 4.125%
HK$69,953
baseline
▲ 0.50% · 4.625%
HK$73,640
+HK$3,687/mo
Deposit HK$5.61M · loan HK$13.08M · min. income ≈ HK$139,906/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$700,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,701
−HK$4,810/mo
▼ 0.25% · 3.875%
HK$79,087
−HK$2,424/mo
Today · 4.125%
HK$81,511
baseline
▲ 0.50% · 4.625%
HK$86,471
+HK$4,960/mo
Deposit HK$1.87M · loan HK$16.82M · min. income ≈ HK$163,022/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,329
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$87,618
−HK$2,321/mo
Today · 4.125%
HK$89,939
baseline
▲ 0.50% · 4.625%
HK$94,680
+HK$4,741/mo
Deposit HK$1.87M · loan HK$16.82M · min. income ≈ HK$179,878/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,774 · Scale 2, in force from 26 Feb 2026)