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$43,345
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$44,693
−HK$1,370/mo
Today · 4.125%
HK$46,063
baseline
▲ 0.50% · 4.625%
HK$48,866
+HK$2,803/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$92,126/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$712,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,221
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$49,514
−HK$1,312/mo
Today · 4.125%
HK$50,826
baseline
▲ 0.50% · 4.625%
HK$53,505
+HK$2,679/mo
Deposit HK$9.50M · loan HK$9.50M · min. income ≈ HK$101,652/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$712,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,014
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$53,632
−HK$1,644/mo
Today · 4.125%
HK$55,276
baseline
▲ 0.50% · 4.625%
HK$58,639
+HK$3,363/mo
Deposit HK$7.60M · loan HK$11.41M · min. income ≈ HK$110,552/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$712,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,865
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$59,417
−HK$1,574/mo
Today · 4.125%
HK$60,991
baseline
▲ 0.50% · 4.625%
HK$64,206
+HK$3,215/mo
Deposit HK$7.60M · loan HK$11.41M · min. income ≈ HK$121,982/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$712,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,683
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$62,571
−HK$1,917/mo
Today · 4.125%
HK$64,488
baseline
▲ 0.50% · 4.625%
HK$68,412
+HK$3,924/mo
Deposit HK$5.70M · loan HK$13.31M · min. income ≈ HK$128,976/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$712,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,509
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$69,320
−HK$1,837/mo
Today · 4.125%
HK$71,157
baseline
▲ 0.50% · 4.625%
HK$74,907
+HK$3,750/mo
Deposit HK$5.70M · loan HK$13.31M · min. income ≈ HK$142,314/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$712,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,021
−HK$4,893/mo
▼ 0.25% · 3.875%
HK$80,448
−HK$2,466/mo
Today · 4.125%
HK$82,914
baseline
▲ 0.50% · 4.625%
HK$87,959
+HK$5,045/mo
Deposit HK$1.90M · loan HK$17.11M · min. income ≈ HK$165,828/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,798
−HK$4,689/mo
▼ 0.25% · 3.875%
HK$89,126
−HK$2,361/mo
Today · 4.125%
HK$91,487
baseline
▲ 0.50% · 4.625%
HK$96,309
+HK$4,822/mo
Deposit HK$1.90M · loan HK$17.11M · min. income ≈ HK$182,974/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,832 · Scale 2, in force from 26 Feb 2026)