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$44,554
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$45,940
−HK$1,408/mo
Today · 4.125%
HK$47,348
baseline
▲ 0.50% · 4.625%
HK$50,229
+HK$2,881/mo
Deposit HK$9.77M · loan HK$9.77M · min. income ≈ HK$94,696/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$732,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,566
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$50,895
−HK$1,349/mo
Today · 4.125%
HK$52,244
baseline
▲ 0.50% · 4.625%
HK$54,998
+HK$2,754/mo
Deposit HK$9.77M · loan HK$9.77M · min. income ≈ HK$104,488/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$732,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,465
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$55,128
−HK$1,690/mo
Today · 4.125%
HK$56,818
baseline
▲ 0.50% · 4.625%
HK$60,275
+HK$3,457/mo
Deposit HK$7.82M · loan HK$11.72M · min. income ≈ HK$113,636/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$732,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,479
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$61,075
−HK$1,618/mo
Today · 4.125%
HK$62,693
baseline
▲ 0.50% · 4.625%
HK$65,997
+HK$3,304/mo
Deposit HK$7.82M · loan HK$11.72M · min. income ≈ HK$125,386/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$732,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,376
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$64,316
−HK$1,971/mo
Today · 4.125%
HK$66,287
baseline
▲ 0.50% · 4.625%
HK$70,321
+HK$4,034/mo
Deposit HK$5.86M · loan HK$13.68M · min. income ≈ HK$132,574/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$732,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,393
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$71,254
−HK$1,888/mo
Today · 4.125%
HK$73,142
baseline
▲ 0.50% · 4.625%
HK$76,997
+HK$3,855/mo
Deposit HK$5.86M · loan HK$13.68M · min. income ≈ HK$146,284/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$732,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,198
−HK$5,029/mo
▼ 0.25% · 3.875%
HK$82,692
−HK$2,535/mo
Today · 4.125%
HK$85,227
baseline
▲ 0.50% · 4.625%
HK$90,412
+HK$5,185/mo
Deposit HK$1.95M · loan HK$17.59M · min. income ≈ HK$170,454/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$732,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,219
−HK$4,820/mo
▼ 0.25% · 3.875%
HK$91,612
−HK$2,427/mo
Today · 4.125%
HK$94,039
baseline
▲ 0.50% · 4.625%
HK$98,996
+HK$4,957/mo
Deposit HK$1.95M · loan HK$17.59M · min. income ≈ HK$188,078/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$732,717 · Scale 2, in force from 26 Feb 2026)