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$42,638
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$43,964
−HK$1,347/mo
Today · 4.125%
HK$45,311
baseline
▲ 0.50% · 4.625%
HK$48,069
+HK$2,758/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$90,622/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$701,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,434
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$48,706
−HK$1,291/mo
Today · 4.125%
HK$49,997
baseline
▲ 0.50% · 4.625%
HK$52,632
+HK$2,635/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$99,994/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$701,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,165
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$52,757
−HK$1,617/mo
Today · 4.125%
HK$54,374
baseline
▲ 0.50% · 4.625%
HK$57,682
+HK$3,308/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$108,748/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$701,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,921
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$58,447
−HK$1,549/mo
Today · 4.125%
HK$59,996
baseline
▲ 0.50% · 4.625%
HK$63,158
+HK$3,162/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$119,992/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$701,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,693
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$61,549
−HK$1,887/mo
Today · 4.125%
HK$63,436
baseline
▲ 0.50% · 4.625%
HK$67,296
+HK$3,860/mo
Deposit HK$5.61M · loan HK$13.09M · min. income ≈ HK$126,872/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,408
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$68,189
−HK$1,806/mo
Today · 4.125%
HK$69,995
baseline
▲ 0.50% · 4.625%
HK$73,685
+HK$3,690/mo
Deposit HK$5.61M · loan HK$13.09M · min. income ≈ HK$139,990/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,748
−HK$4,813/mo
▼ 0.25% · 3.875%
HK$79,135
−HK$2,426/mo
Today · 4.125%
HK$81,561
baseline
▲ 0.50% · 4.625%
HK$86,523
+HK$4,962/mo
Deposit HK$1.87M · loan HK$16.83M · min. income ≈ HK$163,122/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,381
−HK$4,613/mo
▼ 0.25% · 3.875%
HK$87,671
−HK$2,323/mo
Today · 4.125%
HK$89,994
baseline
▲ 0.50% · 4.625%
HK$94,738
+HK$4,744/mo
Deposit HK$1.87M · loan HK$16.83M · min. income ≈ HK$179,988/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,199 · Scale 2, in force from 26 Feb 2026)