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$42,741
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$44,070
−HK$1,351/mo
Today · 4.125%
HK$45,421
baseline
▲ 0.50% · 4.625%
HK$48,185
+HK$2,764/mo
Deposit HK$9.37M · loan HK$9.37M · min. income ≈ HK$90,842/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$702,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,549
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$48,824
−HK$1,294/mo
Today · 4.125%
HK$50,118
baseline
▲ 0.50% · 4.625%
HK$52,760
+HK$2,642/mo
Deposit HK$9.37M · loan HK$9.37M · min. income ≈ HK$100,236/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$702,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,289
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$52,884
−HK$1,621/mo
Today · 4.125%
HK$54,505
baseline
▲ 0.50% · 4.625%
HK$57,822
+HK$3,317/mo
Deposit HK$7.50M · loan HK$11.25M · min. income ≈ HK$109,010/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$702,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,059
−HK$3,082/mo
▼ 0.25% · 3.875%
HK$58,589
−HK$1,552/mo
Today · 4.125%
HK$60,141
baseline
▲ 0.50% · 4.625%
HK$63,311
+HK$3,170/mo
Deposit HK$7.50M · loan HK$11.25M · min. income ≈ HK$120,282/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$702,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,837
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$61,699
−HK$1,891/mo
Today · 4.125%
HK$63,590
baseline
▲ 0.50% · 4.625%
HK$67,459
+HK$3,869/mo
Deposit HK$5.62M · loan HK$13.12M · min. income ≈ HK$127,180/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$702,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,568
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$68,354
−HK$1,811/mo
Today · 4.125%
HK$70,165
baseline
▲ 0.50% · 4.625%
HK$73,863
+HK$3,698/mo
Deposit HK$5.62M · loan HK$13.12M · min. income ≈ HK$140,330/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$702,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,934
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$79,327
−HK$2,431/mo
Today · 4.125%
HK$81,758
baseline
▲ 0.50% · 4.625%
HK$86,733
+HK$4,975/mo
Deposit HK$1.87M · loan HK$16.87M · min. income ≈ HK$163,516/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$702,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,588
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$87,883
−HK$2,329/mo
Today · 4.125%
HK$90,212
baseline
▲ 0.50% · 4.625%
HK$94,967
+HK$4,755/mo
Deposit HK$1.87M · loan HK$16.87M · min. income ≈ HK$180,424/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$702,897 · Scale 2, in force from 26 Feb 2026)