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$44,343
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$45,723
−HK$1,401/mo
Today · 4.125%
HK$47,124
baseline
▲ 0.50% · 4.625%
HK$49,992
+HK$2,868/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$94,248/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$729,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,332
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$50,655
−HK$1,342/mo
Today · 4.125%
HK$51,997
baseline
▲ 0.50% · 4.625%
HK$54,738
+HK$2,741/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$103,994/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$729,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,212
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$54,867
−HK$1,682/mo
Today · 4.125%
HK$56,549
baseline
▲ 0.50% · 4.625%
HK$59,990
+HK$3,441/mo
Deposit HK$7.78M · loan HK$11.67M · min. income ≈ HK$113,098/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,198
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$60,786
−HK$1,610/mo
Today · 4.125%
HK$62,396
baseline
▲ 0.50% · 4.625%
HK$65,685
+HK$3,289/mo
Deposit HK$7.78M · loan HK$11.67M · min. income ≈ HK$124,792/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,081
−HK$3,893/mo
▼ 0.25% · 3.875%
HK$64,012
−HK$1,962/mo
Today · 4.125%
HK$65,974
baseline
▲ 0.50% · 4.625%
HK$69,988
+HK$4,014/mo
Deposit HK$5.83M · loan HK$13.61M · min. income ≈ HK$131,948/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$729,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,064
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$70,917
−HK$1,879/mo
Today · 4.125%
HK$72,796
baseline
▲ 0.50% · 4.625%
HK$76,633
+HK$3,837/mo
Deposit HK$5.83M · loan HK$13.61M · min. income ≈ HK$145,592/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$729,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,818
−HK$5,006/mo
▼ 0.25% · 3.875%
HK$82,301
−HK$2,523/mo
Today · 4.125%
HK$84,824
baseline
▲ 0.50% · 4.625%
HK$89,985
+HK$5,161/mo
Deposit HK$1.94M · loan HK$17.50M · min. income ≈ HK$169,648/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$729,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,797
−HK$4,797/mo
▼ 0.25% · 3.875%
HK$91,179
−HK$2,415/mo
Today · 4.125%
HK$93,594
baseline
▲ 0.50% · 4.625%
HK$98,528
+HK$4,934/mo
Deposit HK$1.94M · loan HK$17.50M · min. income ≈ HK$187,188/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$729,252 · Scale 2, in force from 26 Feb 2026)