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$42,853
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$44,186
−HK$1,354/mo
Today · 4.125%
HK$45,540
baseline
▲ 0.50% · 4.625%
HK$48,311
+HK$2,771/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$91,080/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$704,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,673
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$48,952
−HK$1,297/mo
Today · 4.125%
HK$50,249
baseline
▲ 0.50% · 4.625%
HK$52,898
+HK$2,649/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$100,498/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$704,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,424
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$53,023
−HK$1,625/mo
Today · 4.125%
HK$54,648
baseline
▲ 0.50% · 4.625%
HK$57,973
+HK$3,325/mo
Deposit HK$7.52M · loan HK$11.28M · min. income ≈ HK$109,296/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$704,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,208
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$58,742
−HK$1,557/mo
Today · 4.125%
HK$60,299
baseline
▲ 0.50% · 4.625%
HK$63,477
+HK$3,178/mo
Deposit HK$7.52M · loan HK$11.28M · min. income ≈ HK$120,598/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$704,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,994
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$61,860
−HK$1,896/mo
Today · 4.125%
HK$63,756
baseline
▲ 0.50% · 4.625%
HK$67,636
+HK$3,880/mo
Deposit HK$5.64M · loan HK$13.16M · min. income ≈ HK$127,512/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,743
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$68,533
−HK$1,816/mo
Today · 4.125%
HK$70,349
baseline
▲ 0.50% · 4.625%
HK$74,057
+HK$3,708/mo
Deposit HK$5.64M · loan HK$13.16M · min. income ≈ HK$140,698/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,135
−HK$4,837/mo
▼ 0.25% · 3.875%
HK$79,535
−HK$2,437/mo
Today · 4.125%
HK$81,972
baseline
▲ 0.50% · 4.625%
HK$86,960
+HK$4,988/mo
Deposit HK$1.88M · loan HK$16.91M · min. income ≈ HK$163,944/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,812
−HK$4,636/mo
▼ 0.25% · 3.875%
HK$88,114
−HK$2,334/mo
Today · 4.125%
HK$90,448
baseline
▲ 0.50% · 4.625%
HK$95,216
+HK$4,768/mo
Deposit HK$1.88M · loan HK$16.91M · min. income ≈ HK$180,896/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,739 · Scale 2, in force from 26 Feb 2026)