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$44,551
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$45,937
−HK$1,408/mo
Today · 4.125%
HK$47,345
baseline
▲ 0.50% · 4.625%
HK$50,226
+HK$2,881/mo
Deposit HK$9.77M · loan HK$9.77M · min. income ≈ HK$94,690/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$732,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,563
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$50,892
−HK$1,349/mo
Today · 4.125%
HK$52,241
baseline
▲ 0.50% · 4.625%
HK$54,994
+HK$2,753/mo
Deposit HK$9.77M · loan HK$9.77M · min. income ≈ HK$104,482/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$732,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,462
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$55,124
−HK$1,690/mo
Today · 4.125%
HK$56,814
baseline
▲ 0.50% · 4.625%
HK$60,271
+HK$3,457/mo
Deposit HK$7.82M · loan HK$11.72M · min. income ≈ HK$113,628/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$732,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,475
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$61,071
−HK$1,618/mo
Today · 4.125%
HK$62,689
baseline
▲ 0.50% · 4.625%
HK$65,993
+HK$3,304/mo
Deposit HK$7.82M · loan HK$11.72M · min. income ≈ HK$125,378/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$732,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,372
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$64,312
−HK$1,971/mo
Today · 4.125%
HK$66,283
baseline
▲ 0.50% · 4.625%
HK$70,316
+HK$4,033/mo
Deposit HK$5.86M · loan HK$13.68M · min. income ≈ HK$132,566/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$732,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,388
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$71,249
−HK$1,888/mo
Today · 4.125%
HK$73,137
baseline
▲ 0.50% · 4.625%
HK$76,992
+HK$3,855/mo
Deposit HK$5.86M · loan HK$13.68M · min. income ≈ HK$146,274/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$732,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,192
−HK$5,029/mo
▼ 0.25% · 3.875%
HK$82,687
−HK$2,534/mo
Today · 4.125%
HK$85,221
baseline
▲ 0.50% · 4.625%
HK$90,407
+HK$5,186/mo
Deposit HK$1.95M · loan HK$17.58M · min. income ≈ HK$170,442/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$732,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,213
−HK$4,820/mo
▼ 0.25% · 3.875%
HK$91,606
−HK$2,427/mo
Today · 4.125%
HK$94,033
baseline
▲ 0.50% · 4.625%
HK$98,990
+HK$4,957/mo
Deposit HK$1.95M · loan HK$17.58M · min. income ≈ HK$188,066/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$732,669 · Scale 2, in force from 26 Feb 2026)