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$42,845
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$44,178
−HK$1,354/mo
Today · 4.125%
HK$45,532
baseline
▲ 0.50% · 4.625%
HK$48,303
+HK$2,771/mo
Deposit HK$9.39M · loan HK$9.39M · min. income ≈ HK$91,064/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$704,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,665
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$48,943
−HK$1,297/mo
Today · 4.125%
HK$50,240
baseline
▲ 0.50% · 4.625%
HK$52,889
+HK$2,649/mo
Deposit HK$9.39M · loan HK$9.39M · min. income ≈ HK$100,480/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$704,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,414
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$53,014
−HK$1,625/mo
Today · 4.125%
HK$54,639
baseline
▲ 0.50% · 4.625%
HK$57,963
+HK$3,324/mo
Deposit HK$7.52M · loan HK$11.27M · min. income ≈ HK$109,278/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$704,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,198
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$58,732
−HK$1,556/mo
Today · 4.125%
HK$60,288
baseline
▲ 0.50% · 4.625%
HK$63,466
+HK$3,178/mo
Deposit HK$7.52M · loan HK$11.27M · min. income ≈ HK$120,576/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$704,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,984
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$61,849
−HK$1,896/mo
Today · 4.125%
HK$63,745
baseline
▲ 0.50% · 4.625%
HK$67,624
+HK$3,879/mo
Deposit HK$5.64M · loan HK$13.15M · min. income ≈ HK$127,490/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,731
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$68,521
−HK$1,815/mo
Today · 4.125%
HK$70,336
baseline
▲ 0.50% · 4.625%
HK$74,044
+HK$3,708/mo
Deposit HK$5.64M · loan HK$13.15M · min. income ≈ HK$140,672/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,122
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$79,521
−HK$2,437/mo
Today · 4.125%
HK$81,958
baseline
▲ 0.50% · 4.625%
HK$86,945
+HK$4,987/mo
Deposit HK$1.88M · loan HK$16.91M · min. income ≈ HK$163,916/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,797
−HK$4,636/mo
▼ 0.25% · 3.875%
HK$88,098
−HK$2,335/mo
Today · 4.125%
HK$90,433
baseline
▲ 0.50% · 4.625%
HK$95,199
+HK$4,766/mo
Deposit HK$1.88M · loan HK$16.91M · min. income ≈ HK$180,866/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,615 · Scale 2, in force from 26 Feb 2026)