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$42,652
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$43,979
−HK$1,348/mo
Today · 4.125%
HK$45,327
baseline
▲ 0.50% · 4.625%
HK$48,085
+HK$2,758/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$90,654/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$701,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,450
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$48,723
−HK$1,291/mo
Today · 4.125%
HK$50,014
baseline
▲ 0.50% · 4.625%
HK$52,650
+HK$2,636/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$100,028/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$701,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,183
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$52,775
−HK$1,617/mo
Today · 4.125%
HK$54,392
baseline
▲ 0.50% · 4.625%
HK$57,702
+HK$3,310/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$108,784/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$701,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,940
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$58,467
−HK$1,549/mo
Today · 4.125%
HK$60,016
baseline
▲ 0.50% · 4.625%
HK$63,180
+HK$3,164/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$120,032/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$701,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,713
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$61,570
−HK$1,888/mo
Today · 4.125%
HK$63,458
baseline
▲ 0.50% · 4.625%
HK$67,319
+HK$3,861/mo
Deposit HK$5.61M · loan HK$13.09M · min. income ≈ HK$126,916/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,430
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$68,212
−HK$1,807/mo
Today · 4.125%
HK$70,019
baseline
▲ 0.50% · 4.625%
HK$73,710
+HK$3,691/mo
Deposit HK$5.61M · loan HK$13.09M · min. income ≈ HK$140,038/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,774
−HK$4,814/mo
▼ 0.25% · 3.875%
HK$79,162
−HK$2,426/mo
Today · 4.125%
HK$81,588
baseline
▲ 0.50% · 4.625%
HK$86,553
+HK$4,965/mo
Deposit HK$1.87M · loan HK$16.83M · min. income ≈ HK$163,176/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,410
−HK$4,615/mo
▼ 0.25% · 3.875%
HK$87,701
−HK$2,324/mo
Today · 4.125%
HK$90,025
baseline
▲ 0.50% · 4.625%
HK$94,770
+HK$4,745/mo
Deposit HK$1.87M · loan HK$16.83M · min. income ≈ HK$180,050/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,437 · Scale 2, in force from 26 Feb 2026)