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$42,925
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$44,260
−HK$1,356/mo
Today · 4.125%
HK$45,616
baseline
▲ 0.50% · 4.625%
HK$48,392
+HK$2,776/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$91,232/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$705,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,753
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$49,034
−HK$1,299/mo
Today · 4.125%
HK$50,333
baseline
▲ 0.50% · 4.625%
HK$52,986
+HK$2,653/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$100,666/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$705,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,509
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$53,112
−HK$1,628/mo
Today · 4.125%
HK$54,740
baseline
▲ 0.50% · 4.625%
HK$58,070
+HK$3,330/mo
Deposit HK$7.53M · loan HK$11.29M · min. income ≈ HK$109,480/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$705,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,304
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$58,841
−HK$1,559/mo
Today · 4.125%
HK$60,400
baseline
▲ 0.50% · 4.625%
HK$63,583
+HK$3,183/mo
Deposit HK$7.53M · loan HK$11.29M · min. income ≈ HK$120,800/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$705,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,094
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$61,964
−HK$1,899/mo
Today · 4.125%
HK$63,863
baseline
▲ 0.50% · 4.625%
HK$67,749
+HK$3,886/mo
Deposit HK$5.65M · loan HK$13.18M · min. income ≈ HK$127,726/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,854
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$68,647
−HK$1,819/mo
Today · 4.125%
HK$70,466
baseline
▲ 0.50% · 4.625%
HK$74,181
+HK$3,715/mo
Deposit HK$5.65M · loan HK$13.18M · min. income ≈ HK$140,932/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,264
−HK$4,845/mo
▼ 0.25% · 3.875%
HK$79,668
−HK$2,441/mo
Today · 4.125%
HK$82,109
baseline
▲ 0.50% · 4.625%
HK$87,105
+HK$4,996/mo
Deposit HK$1.88M · loan HK$16.94M · min. income ≈ HK$164,218/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,956
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$88,261
−HK$2,339/mo
Today · 4.125%
HK$90,600
baseline
▲ 0.50% · 4.625%
HK$95,375
+HK$4,775/mo
Deposit HK$1.88M · loan HK$16.94M · min. income ≈ HK$181,200/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,917 · Scale 2, in force from 26 Feb 2026)