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$44,471
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$45,854
−HK$1,406/mo
Today · 4.125%
HK$47,260
baseline
▲ 0.50% · 4.625%
HK$50,135
+HK$2,875/mo
Deposit HK$9.75M · loan HK$9.75M · min. income ≈ HK$94,520/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$731,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,473
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$50,800
−HK$1,346/mo
Today · 4.125%
HK$52,146
baseline
▲ 0.50% · 4.625%
HK$54,895
+HK$2,749/mo
Deposit HK$9.75M · loan HK$9.75M · min. income ≈ HK$104,292/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$731,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,365
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$55,025
−HK$1,687/mo
Today · 4.125%
HK$56,712
baseline
▲ 0.50% · 4.625%
HK$60,162
+HK$3,450/mo
Deposit HK$7.80M · loan HK$11.70M · min. income ≈ HK$113,424/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$731,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,368
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$60,960
−HK$1,616/mo
Today · 4.125%
HK$62,576
baseline
▲ 0.50% · 4.625%
HK$65,874
+HK$3,298/mo
Deposit HK$7.80M · loan HK$11.70M · min. income ≈ HK$125,152/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$731,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,259
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$64,196
−HK$1,967/mo
Today · 4.125%
HK$66,163
baseline
▲ 0.50% · 4.625%
HK$70,189
+HK$4,026/mo
Deposit HK$5.85M · loan HK$13.65M · min. income ≈ HK$132,326/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$731,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,263
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$71,120
−HK$1,885/mo
Today · 4.125%
HK$73,005
baseline
▲ 0.50% · 4.625%
HK$76,853
+HK$3,848/mo
Deposit HK$5.85M · loan HK$13.65M · min. income ≈ HK$146,010/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$731,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,048
−HK$5,019/mo
▼ 0.25% · 3.875%
HK$82,538
−HK$2,529/mo
Today · 4.125%
HK$85,067
baseline
▲ 0.50% · 4.625%
HK$90,243
+HK$5,176/mo
Deposit HK$1.95M · loan HK$17.55M · min. income ≈ HK$170,134/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,052
−HK$4,811/mo
▼ 0.25% · 3.875%
HK$91,440
−HK$2,423/mo
Today · 4.125%
HK$93,863
baseline
▲ 0.50% · 4.625%
HK$98,811
+HK$4,948/mo
Deposit HK$1.95M · loan HK$17.55M · min. income ≈ HK$187,726/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,347 · Scale 2, in force from 26 Feb 2026)