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$44,483
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$45,866
−HK$1,406/mo
Today · 4.125%
HK$47,272
baseline
▲ 0.50% · 4.625%
HK$50,149
+HK$2,877/mo
Deposit HK$9.75M · loan HK$9.75M · min. income ≈ HK$94,544/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$731,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,487
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$50,814
−HK$1,346/mo
Today · 4.125%
HK$52,160
baseline
▲ 0.50% · 4.625%
HK$54,910
+HK$2,750/mo
Deposit HK$9.75M · loan HK$9.75M · min. income ≈ HK$104,320/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$731,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,379
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$55,040
−HK$1,687/mo
Today · 4.125%
HK$56,727
baseline
▲ 0.50% · 4.625%
HK$60,178
+HK$3,451/mo
Deposit HK$7.80M · loan HK$11.70M · min. income ≈ HK$113,454/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$731,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,384
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$60,977
−HK$1,615/mo
Today · 4.125%
HK$62,592
baseline
▲ 0.50% · 4.625%
HK$65,892
+HK$3,300/mo
Deposit HK$7.80M · loan HK$11.70M · min. income ≈ HK$125,184/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$731,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,276
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$64,213
−HK$1,968/mo
Today · 4.125%
HK$66,181
baseline
▲ 0.50% · 4.625%
HK$70,208
+HK$4,027/mo
Deposit HK$5.85M · loan HK$13.66M · min. income ≈ HK$132,362/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$731,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,281
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$71,139
−HK$1,885/mo
Today · 4.125%
HK$73,024
baseline
▲ 0.50% · 4.625%
HK$76,874
+HK$3,850/mo
Deposit HK$5.85M · loan HK$13.66M · min. income ≈ HK$146,048/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$731,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,069
−HK$5,021/mo
▼ 0.25% · 3.875%
HK$82,560
−HK$2,530/mo
Today · 4.125%
HK$85,090
baseline
▲ 0.50% · 4.625%
HK$90,268
+HK$5,178/mo
Deposit HK$1.95M · loan HK$17.56M · min. income ≈ HK$170,180/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,076
−HK$4,812/mo
▼ 0.25% · 3.875%
HK$91,465
−HK$2,423/mo
Today · 4.125%
HK$93,888
baseline
▲ 0.50% · 4.625%
HK$98,837
+HK$4,949/mo
Deposit HK$1.95M · loan HK$17.56M · min. income ≈ HK$187,776/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,543 · Scale 2, in force from 26 Feb 2026)