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$44,555
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$45,941
−HK$1,408/mo
Today · 4.125%
HK$47,349
baseline
▲ 0.50% · 4.625%
HK$50,230
+HK$2,881/mo
Deposit HK$9.77M · loan HK$9.77M · min. income ≈ HK$94,698/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$732,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,567
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$50,896
−HK$1,349/mo
Today · 4.125%
HK$52,245
baseline
▲ 0.50% · 4.625%
HK$54,999
+HK$2,754/mo
Deposit HK$9.77M · loan HK$9.77M · min. income ≈ HK$104,490/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$732,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,466
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$55,129
−HK$1,690/mo
Today · 4.125%
HK$56,819
baseline
▲ 0.50% · 4.625%
HK$60,276
+HK$3,457/mo
Deposit HK$7.82M · loan HK$11.72M · min. income ≈ HK$113,638/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$732,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,480
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$61,075
−HK$1,619/mo
Today · 4.125%
HK$62,694
baseline
▲ 0.50% · 4.625%
HK$65,998
+HK$3,304/mo
Deposit HK$7.82M · loan HK$11.72M · min. income ≈ HK$125,388/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$732,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,377
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$64,317
−HK$1,971/mo
Today · 4.125%
HK$66,288
baseline
▲ 0.50% · 4.625%
HK$70,322
+HK$4,034/mo
Deposit HK$5.86M · loan HK$13.68M · min. income ≈ HK$132,576/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$732,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,394
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$71,255
−HK$1,888/mo
Today · 4.125%
HK$73,143
baseline
▲ 0.50% · 4.625%
HK$76,998
+HK$3,855/mo
Deposit HK$5.86M · loan HK$13.68M · min. income ≈ HK$146,286/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$732,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,199
−HK$5,029/mo
▼ 0.25% · 3.875%
HK$82,693
−HK$2,535/mo
Today · 4.125%
HK$85,228
baseline
▲ 0.50% · 4.625%
HK$90,414
+HK$5,186/mo
Deposit HK$1.95M · loan HK$17.59M · min. income ≈ HK$170,456/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$732,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,220
−HK$4,821/mo
▼ 0.25% · 3.875%
HK$91,613
−HK$2,428/mo
Today · 4.125%
HK$94,041
baseline
▲ 0.50% · 4.625%
HK$98,998
+HK$4,957/mo
Deposit HK$1.95M · loan HK$17.59M · min. income ≈ HK$188,082/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$732,728 · Scale 2, in force from 26 Feb 2026)