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$43,116
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$44,457
−HK$1,363/mo
Today · 4.125%
HK$45,820
baseline
▲ 0.50% · 4.625%
HK$48,608
+HK$2,788/mo
Deposit HK$9.45M · loan HK$9.45M · min. income ≈ HK$91,640/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$709,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,966
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$49,252
−HK$1,305/mo
Today · 4.125%
HK$50,557
baseline
▲ 0.50% · 4.625%
HK$53,222
+HK$2,665/mo
Deposit HK$9.45M · loan HK$9.45M · min. income ≈ HK$101,114/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$709,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,739
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$53,348
−HK$1,636/mo
Today · 4.125%
HK$54,984
baseline
▲ 0.50% · 4.625%
HK$58,329
+HK$3,345/mo
Deposit HK$7.56M · loan HK$11.35M · min. income ≈ HK$109,968/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$709,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,559
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$59,103
−HK$1,566/mo
Today · 4.125%
HK$60,669
baseline
▲ 0.50% · 4.625%
HK$63,867
+HK$3,198/mo
Deposit HK$7.56M · loan HK$11.35M · min. income ≈ HK$121,338/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$709,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,362
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$62,240
−HK$1,908/mo
Today · 4.125%
HK$64,148
baseline
▲ 0.50% · 4.625%
HK$68,051
+HK$3,903/mo
Deposit HK$5.67M · loan HK$13.24M · min. income ≈ HK$128,296/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$709,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,152
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$68,953
−HK$1,827/mo
Today · 4.125%
HK$70,780
baseline
▲ 0.50% · 4.625%
HK$74,511
+HK$3,731/mo
Deposit HK$5.67M · loan HK$13.24M · min. income ≈ HK$141,560/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$709,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,609
−HK$4,866/mo
▼ 0.25% · 3.875%
HK$80,023
−HK$2,452/mo
Today · 4.125%
HK$82,475
baseline
▲ 0.50% · 4.625%
HK$87,494
+HK$5,019/mo
Deposit HK$1.89M · loan HK$17.02M · min. income ≈ HK$164,950/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,339
−HK$4,664/mo
▼ 0.25% · 3.875%
HK$88,654
−HK$2,349/mo
Today · 4.125%
HK$91,003
baseline
▲ 0.50% · 4.625%
HK$95,800
+HK$4,797/mo
Deposit HK$1.89M · loan HK$17.02M · min. income ≈ HK$182,006/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,064 · Scale 2, in force from 26 Feb 2026)