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$44,472
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$45,856
−HK$1,405/mo
Today · 4.125%
HK$47,261
baseline
▲ 0.50% · 4.625%
HK$50,137
+HK$2,876/mo
Deposit HK$9.75M · loan HK$9.75M · min. income ≈ HK$94,522/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$731,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,475
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$50,802
−HK$1,346/mo
Today · 4.125%
HK$52,148
baseline
▲ 0.50% · 4.625%
HK$54,897
+HK$2,749/mo
Deposit HK$9.75M · loan HK$9.75M · min. income ≈ HK$104,296/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$731,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,367
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$55,027
−HK$1,686/mo
Today · 4.125%
HK$56,713
baseline
▲ 0.50% · 4.625%
HK$60,164
+HK$3,451/mo
Deposit HK$7.80M · loan HK$11.70M · min. income ≈ HK$113,426/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$731,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,370
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$60,962
−HK$1,616/mo
Today · 4.125%
HK$62,578
baseline
▲ 0.50% · 4.625%
HK$65,876
+HK$3,298/mo
Deposit HK$7.80M · loan HK$11.70M · min. income ≈ HK$125,156/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$731,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,261
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$64,198
−HK$1,968/mo
Today · 4.125%
HK$66,166
baseline
▲ 0.50% · 4.625%
HK$70,192
+HK$4,026/mo
Deposit HK$5.85M · loan HK$13.65M · min. income ≈ HK$132,332/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$731,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,265
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$71,123
−HK$1,884/mo
Today · 4.125%
HK$73,007
baseline
▲ 0.50% · 4.625%
HK$76,855
+HK$3,848/mo
Deposit HK$5.85M · loan HK$13.65M · min. income ≈ HK$146,014/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$731,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,050
−HK$5,020/mo
▼ 0.25% · 3.875%
HK$82,540
−HK$2,530/mo
Today · 4.125%
HK$85,070
baseline
▲ 0.50% · 4.625%
HK$90,246
+HK$5,176/mo
Deposit HK$1.95M · loan HK$17.55M · min. income ≈ HK$170,140/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,055
−HK$4,811/mo
▼ 0.25% · 3.875%
HK$91,443
−HK$2,423/mo
Today · 4.125%
HK$93,866
baseline
▲ 0.50% · 4.625%
HK$98,814
+HK$4,948/mo
Deposit HK$1.95M · loan HK$17.55M · min. income ≈ HK$187,732/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,371 · Scale 2, in force from 26 Feb 2026)