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$42,472
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$43,793
−HK$1,342/mo
Today · 4.125%
HK$45,135
baseline
▲ 0.50% · 4.625%
HK$47,881
+HK$2,746/mo
Deposit HK$9.31M · loan HK$9.31M · min. income ≈ HK$90,270/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$698,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,249
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$48,516
−HK$1,286/mo
Today · 4.125%
HK$49,802
baseline
▲ 0.50% · 4.625%
HK$52,427
+HK$2,625/mo
Deposit HK$9.31M · loan HK$9.31M · min. income ≈ HK$99,604/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$698,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,966
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$52,551
−HK$1,611/mo
Today · 4.125%
HK$54,162
baseline
▲ 0.50% · 4.625%
HK$57,457
+HK$3,295/mo
Deposit HK$7.45M · loan HK$11.18M · min. income ≈ HK$108,324/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$698,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,699
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$58,220
−HK$1,542/mo
Today · 4.125%
HK$59,762
baseline
▲ 0.50% · 4.625%
HK$62,912
+HK$3,150/mo
Deposit HK$7.45M · loan HK$11.18M · min. income ≈ HK$119,524/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$698,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,460
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$61,310
−HK$1,879/mo
Today · 4.125%
HK$63,189
baseline
▲ 0.50% · 4.625%
HK$67,034
+HK$3,845/mo
Deposit HK$5.59M · loan HK$13.04M · min. income ≈ HK$126,378/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$698,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,149
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$67,923
−HK$1,800/mo
Today · 4.125%
HK$69,723
baseline
▲ 0.50% · 4.625%
HK$73,398
+HK$3,675/mo
Deposit HK$5.59M · loan HK$13.04M · min. income ≈ HK$139,446/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$698,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,449
−HK$4,794/mo
▼ 0.25% · 3.875%
HK$78,827
−HK$2,416/mo
Today · 4.125%
HK$81,243
baseline
▲ 0.50% · 4.625%
HK$86,186
+HK$4,943/mo
Deposit HK$1.86M · loan HK$16.76M · min. income ≈ HK$162,486/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,048
−HK$4,595/mo
▼ 0.25% · 3.875%
HK$87,329
−HK$2,314/mo
Today · 4.125%
HK$89,643
baseline
▲ 0.50% · 4.625%
HK$94,369
+HK$4,726/mo
Deposit HK$1.86M · loan HK$16.76M · min. income ≈ HK$179,286/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$698,467 · Scale 2, in force from 26 Feb 2026)