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$42,885
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$44,219
−HK$1,356/mo
Today · 4.125%
HK$45,575
baseline
▲ 0.50% · 4.625%
HK$48,348
+HK$2,773/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$91,150/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,709
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$48,989
−HK$1,298/mo
Today · 4.125%
HK$50,287
baseline
▲ 0.50% · 4.625%
HK$52,938
+HK$2,651/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$100,574/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,462
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$53,063
−HK$1,627/mo
Today · 4.125%
HK$54,690
baseline
▲ 0.50% · 4.625%
HK$58,017
+HK$3,327/mo
Deposit HK$7.52M · loan HK$11.28M · min. income ≈ HK$109,380/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,251
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$58,787
−HK$1,557/mo
Today · 4.125%
HK$60,344
baseline
▲ 0.50% · 4.625%
HK$63,525
+HK$3,181/mo
Deposit HK$7.52M · loan HK$11.28M · min. income ≈ HK$120,688/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,039
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$61,907
−HK$1,897/mo
Today · 4.125%
HK$63,804
baseline
▲ 0.50% · 4.625%
HK$67,687
+HK$3,883/mo
Deposit HK$5.64M · loan HK$13.17M · min. income ≈ HK$127,608/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,793
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$68,585
−HK$1,817/mo
Today · 4.125%
HK$70,402
baseline
▲ 0.50% · 4.625%
HK$74,113
+HK$3,711/mo
Deposit HK$5.64M · loan HK$13.17M · min. income ≈ HK$140,804/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,194
−HK$4,840/mo
▼ 0.25% · 3.875%
HK$79,595
−HK$2,439/mo
Today · 4.125%
HK$82,034
baseline
▲ 0.50% · 4.625%
HK$87,026
+HK$4,992/mo
Deposit HK$1.88M · loan HK$16.93M · min. income ≈ HK$164,068/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,877
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$88,180
−HK$2,337/mo
Today · 4.125%
HK$90,517
baseline
▲ 0.50% · 4.625%
HK$95,288
+HK$4,771/mo
Deposit HK$1.88M · loan HK$16.93M · min. income ≈ HK$181,034/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,272 · Scale 2, in force from 26 Feb 2026)