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$42,858
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$44,191
−HK$1,355/mo
Today · 4.125%
HK$45,546
baseline
▲ 0.50% · 4.625%
HK$48,317
+HK$2,771/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$91,092/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$704,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,679
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$48,958
−HK$1,297/mo
Today · 4.125%
HK$50,255
baseline
▲ 0.50% · 4.625%
HK$52,904
+HK$2,649/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$100,510/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$704,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,430
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$53,029
−HK$1,626/mo
Today · 4.125%
HK$54,655
baseline
▲ 0.50% · 4.625%
HK$57,980
+HK$3,325/mo
Deposit HK$7.52M · loan HK$11.28M · min. income ≈ HK$109,310/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$704,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,215
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$58,749
−HK$1,557/mo
Today · 4.125%
HK$60,306
baseline
▲ 0.50% · 4.625%
HK$63,485
+HK$3,179/mo
Deposit HK$7.52M · loan HK$11.28M · min. income ≈ HK$120,612/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$704,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,001
−HK$3,763/mo
▼ 0.25% · 3.875%
HK$61,868
−HK$1,896/mo
Today · 4.125%
HK$63,764
baseline
▲ 0.50% · 4.625%
HK$67,644
+HK$3,880/mo
Deposit HK$5.64M · loan HK$13.16M · min. income ≈ HK$127,528/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,751
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$68,541
−HK$1,816/mo
Today · 4.125%
HK$70,357
baseline
▲ 0.50% · 4.625%
HK$74,066
+HK$3,709/mo
Deposit HK$5.64M · loan HK$13.16M · min. income ≈ HK$140,714/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,145
−HK$4,837/mo
▼ 0.25% · 3.875%
HK$79,544
−HK$2,438/mo
Today · 4.125%
HK$81,982
baseline
▲ 0.50% · 4.625%
HK$86,971
+HK$4,989/mo
Deposit HK$1.88M · loan HK$16.92M · min. income ≈ HK$163,964/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,823
−HK$4,636/mo
▼ 0.25% · 3.875%
HK$88,124
−HK$2,335/mo
Today · 4.125%
HK$90,459
baseline
▲ 0.50% · 4.625%
HK$95,227
+HK$4,768/mo
Deposit HK$1.88M · loan HK$16.92M · min. income ≈ HK$180,918/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,824 · Scale 2, in force from 26 Feb 2026)