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$44,540
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$45,925
−HK$1,408/mo
Today · 4.125%
HK$47,333
baseline
▲ 0.50% · 4.625%
HK$50,213
+HK$2,880/mo
Deposit HK$9.77M · loan HK$9.77M · min. income ≈ HK$94,666/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$732,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,550
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$50,879
−HK$1,348/mo
Today · 4.125%
HK$52,227
baseline
▲ 0.50% · 4.625%
HK$54,980
+HK$2,753/mo
Deposit HK$9.77M · loan HK$9.77M · min. income ≈ HK$104,454/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$732,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,448
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$55,110
−HK$1,689/mo
Today · 4.125%
HK$56,799
baseline
▲ 0.50% · 4.625%
HK$60,256
+HK$3,457/mo
Deposit HK$7.81M · loan HK$11.72M · min. income ≈ HK$113,598/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$732,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,460
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$61,055
−HK$1,618/mo
Today · 4.125%
HK$62,673
baseline
▲ 0.50% · 4.625%
HK$65,976
+HK$3,303/mo
Deposit HK$7.81M · loan HK$11.72M · min. income ≈ HK$125,346/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$732,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,356
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$64,295
−HK$1,971/mo
Today · 4.125%
HK$66,266
baseline
▲ 0.50% · 4.625%
HK$70,298
+HK$4,032/mo
Deposit HK$5.86M · loan HK$13.67M · min. income ≈ HK$132,532/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$732,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,370
−HK$3,748/mo
▼ 0.25% · 3.875%
HK$71,231
−HK$1,887/mo
Today · 4.125%
HK$73,118
baseline
▲ 0.50% · 4.625%
HK$76,972
+HK$3,854/mo
Deposit HK$5.86M · loan HK$13.67M · min. income ≈ HK$146,236/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$732,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,172
−HK$5,027/mo
▼ 0.25% · 3.875%
HK$82,665
−HK$2,534/mo
Today · 4.125%
HK$85,199
baseline
▲ 0.50% · 4.625%
HK$90,383
+HK$5,184/mo
Deposit HK$1.95M · loan HK$17.58M · min. income ≈ HK$170,398/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$732,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,190
−HK$4,819/mo
▼ 0.25% · 3.875%
HK$91,582
−HK$2,427/mo
Today · 4.125%
HK$94,009
baseline
▲ 0.50% · 4.625%
HK$98,964
+HK$4,955/mo
Deposit HK$1.95M · loan HK$17.58M · min. income ≈ HK$188,018/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$732,481 · Scale 2, in force from 26 Feb 2026)