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$42,800
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$44,131
−HK$1,353/mo
Today · 4.125%
HK$45,484
baseline
▲ 0.50% · 4.625%
HK$48,251
+HK$2,767/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$90,968/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$703,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,615
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$48,892
−HK$1,295/mo
Today · 4.125%
HK$50,187
baseline
▲ 0.50% · 4.625%
HK$52,832
+HK$2,645/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$100,374/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$703,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,360
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$52,958
−HK$1,623/mo
Today · 4.125%
HK$54,581
baseline
▲ 0.50% · 4.625%
HK$57,902
+HK$3,321/mo
Deposit HK$7.51M · loan HK$11.26M · min. income ≈ HK$109,162/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,137
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$58,670
−HK$1,554/mo
Today · 4.125%
HK$60,224
baseline
▲ 0.50% · 4.625%
HK$63,399
+HK$3,175/mo
Deposit HK$7.51M · loan HK$11.26M · min. income ≈ HK$120,448/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,920
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$61,784
−HK$1,893/mo
Today · 4.125%
HK$63,677
baseline
▲ 0.50% · 4.625%
HK$67,552
+HK$3,875/mo
Deposit HK$5.63M · loan HK$13.14M · min. income ≈ HK$127,354/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,660
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$68,448
−HK$1,814/mo
Today · 4.125%
HK$70,262
baseline
▲ 0.50% · 4.625%
HK$73,965
+HK$3,703/mo
Deposit HK$5.63M · loan HK$13.14M · min. income ≈ HK$140,524/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,040
−HK$4,831/mo
▼ 0.25% · 3.875%
HK$79,436
−HK$2,435/mo
Today · 4.125%
HK$81,871
baseline
▲ 0.50% · 4.625%
HK$86,853
+HK$4,982/mo
Deposit HK$1.88M · loan HK$16.89M · min. income ≈ HK$163,742/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,706
−HK$4,631/mo
▼ 0.25% · 3.875%
HK$88,005
−HK$2,332/mo
Today · 4.125%
HK$90,337
baseline
▲ 0.50% · 4.625%
HK$95,098
+HK$4,761/mo
Deposit HK$1.88M · loan HK$16.89M · min. income ≈ HK$180,674/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,868 · Scale 2, in force from 26 Feb 2026)