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$42,836
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$44,168
−HK$1,354/mo
Today · 4.125%
HK$45,522
baseline
▲ 0.50% · 4.625%
HK$48,292
+HK$2,770/mo
Deposit HK$9.39M · loan HK$9.39M · min. income ≈ HK$91,044/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$704,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,654
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$48,932
−HK$1,297/mo
Today · 4.125%
HK$50,229
baseline
▲ 0.50% · 4.625%
HK$52,877
+HK$2,648/mo
Deposit HK$9.39M · loan HK$9.39M · min. income ≈ HK$100,458/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$704,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,403
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$53,002
−HK$1,624/mo
Today · 4.125%
HK$54,626
baseline
▲ 0.50% · 4.625%
HK$57,950
+HK$3,324/mo
Deposit HK$7.51M · loan HK$11.27M · min. income ≈ HK$109,252/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$704,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,185
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$58,719
−HK$1,556/mo
Today · 4.125%
HK$60,275
baseline
▲ 0.50% · 4.625%
HK$63,452
+HK$3,177/mo
Deposit HK$7.51M · loan HK$11.27M · min. income ≈ HK$120,550/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$704,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,970
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$61,836
−HK$1,895/mo
Today · 4.125%
HK$63,731
baseline
▲ 0.50% · 4.625%
HK$67,609
+HK$3,878/mo
Deposit HK$5.64M · loan HK$13.15M · min. income ≈ HK$127,462/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,716
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$68,505
−HK$1,816/mo
Today · 4.125%
HK$70,321
baseline
▲ 0.50% · 4.625%
HK$74,027
+HK$3,706/mo
Deposit HK$5.64M · loan HK$13.15M · min. income ≈ HK$140,642/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,104
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$79,503
−HK$2,437/mo
Today · 4.125%
HK$81,940
baseline
▲ 0.50% · 4.625%
HK$86,925
+HK$4,985/mo
Deposit HK$1.88M · loan HK$16.91M · min. income ≈ HK$163,880/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,778
−HK$4,634/mo
▼ 0.25% · 3.875%
HK$88,078
−HK$2,334/mo
Today · 4.125%
HK$90,412
baseline
▲ 0.50% · 4.625%
HK$95,178
+HK$4,766/mo
Deposit HK$1.88M · loan HK$16.91M · min. income ≈ HK$180,824/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,458 · Scale 2, in force from 26 Feb 2026)