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$43,790
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$45,152
−HK$1,384/mo
Today · 4.125%
HK$46,536
baseline
▲ 0.50% · 4.625%
HK$49,368
+HK$2,832/mo
Deposit HK$9.60M · loan HK$9.60M · min. income ≈ HK$93,072/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$720,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,716
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$50,023
−HK$1,325/mo
Today · 4.125%
HK$51,348
baseline
▲ 0.50% · 4.625%
HK$54,055
+HK$2,707/mo
Deposit HK$9.60M · loan HK$9.60M · min. income ≈ HK$102,696/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$720,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,548
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$54,183
−HK$1,660/mo
Today · 4.125%
HK$55,843
baseline
▲ 0.50% · 4.625%
HK$59,241
+HK$3,398/mo
Deposit HK$7.68M · loan HK$11.52M · min. income ≈ HK$111,686/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$720,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,459
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$60,027
−HK$1,591/mo
Today · 4.125%
HK$61,618
baseline
▲ 0.50% · 4.625%
HK$64,866
+HK$3,248/mo
Deposit HK$7.68M · loan HK$11.52M · min. income ≈ HK$123,236/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$720,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,306
−HK$3,845/mo
▼ 0.25% · 3.875%
HK$63,213
−HK$1,938/mo
Today · 4.125%
HK$65,151
baseline
▲ 0.50% · 4.625%
HK$69,115
+HK$3,964/mo
Deposit HK$5.76M · loan HK$13.44M · min. income ≈ HK$130,302/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$720,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,202
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$70,032
−HK$1,855/mo
Today · 4.125%
HK$71,887
baseline
▲ 0.50% · 4.625%
HK$75,677
+HK$3,790/mo
Deposit HK$5.76M · loan HK$13.44M · min. income ≈ HK$143,774/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$720,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,822
−HK$4,943/mo
▼ 0.25% · 3.875%
HK$81,274
−HK$2,491/mo
Today · 4.125%
HK$83,765
baseline
▲ 0.50% · 4.625%
HK$88,862
+HK$5,097/mo
Deposit HK$1.92M · loan HK$17.28M · min. income ≈ HK$167,530/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,689
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$90,041
−HK$2,385/mo
Today · 4.125%
HK$92,426
baseline
▲ 0.50% · 4.625%
HK$97,298
+HK$4,872/mo
Deposit HK$1.92M · loan HK$17.28M · min. income ≈ HK$184,852/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,151 · Scale 2, in force from 26 Feb 2026)