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$42,923
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$44,258
−HK$1,357/mo
Today · 4.125%
HK$45,615
baseline
▲ 0.50% · 4.625%
HK$48,390
+HK$2,775/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$91,230/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$705,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,752
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$49,032
−HK$1,300/mo
Today · 4.125%
HK$50,332
baseline
▲ 0.50% · 4.625%
HK$52,985
+HK$2,653/mo
Deposit HK$9.41M · loan HK$9.41M · min. income ≈ HK$100,664/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$705,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,508
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$53,110
−HK$1,628/mo
Today · 4.125%
HK$54,738
baseline
▲ 0.50% · 4.625%
HK$58,069
+HK$3,331/mo
Deposit HK$7.53M · loan HK$11.29M · min. income ≈ HK$109,476/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$705,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,302
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$58,839
−HK$1,559/mo
Today · 4.125%
HK$60,398
baseline
▲ 0.50% · 4.625%
HK$63,582
+HK$3,184/mo
Deposit HK$7.53M · loan HK$11.29M · min. income ≈ HK$120,796/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$705,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,093
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$61,962
−HK$1,899/mo
Today · 4.125%
HK$63,861
baseline
▲ 0.50% · 4.625%
HK$67,747
+HK$3,886/mo
Deposit HK$5.65M · loan HK$13.18M · min. income ≈ HK$127,722/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,852
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$68,645
−HK$1,819/mo
Today · 4.125%
HK$70,464
baseline
▲ 0.50% · 4.625%
HK$74,178
+HK$3,714/mo
Deposit HK$5.65M · loan HK$13.18M · min. income ≈ HK$140,928/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,262
−HK$4,845/mo
▼ 0.25% · 3.875%
HK$79,665
−HK$2,442/mo
Today · 4.125%
HK$82,107
baseline
▲ 0.50% · 4.625%
HK$87,103
+HK$4,996/mo
Deposit HK$1.88M · loan HK$16.94M · min. income ≈ HK$164,214/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,953
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$88,258
−HK$2,339/mo
Today · 4.125%
HK$90,597
baseline
▲ 0.50% · 4.625%
HK$95,372
+HK$4,775/mo
Deposit HK$1.88M · loan HK$16.94M · min. income ≈ HK$181,194/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,895 · Scale 2, in force from 26 Feb 2026)