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$44,457
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$45,840
−HK$1,405/mo
Today · 4.125%
HK$47,245
baseline
▲ 0.50% · 4.625%
HK$50,120
+HK$2,875/mo
Deposit HK$9.75M · loan HK$9.75M · min. income ≈ HK$94,490/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$731,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,458
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$50,785
−HK$1,345/mo
Today · 4.125%
HK$52,130
baseline
▲ 0.50% · 4.625%
HK$54,878
+HK$2,748/mo
Deposit HK$9.75M · loan HK$9.75M · min. income ≈ HK$104,260/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$731,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,349
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$55,008
−HK$1,686/mo
Today · 4.125%
HK$56,694
baseline
▲ 0.50% · 4.625%
HK$60,144
+HK$3,450/mo
Deposit HK$7.80M · loan HK$11.70M · min. income ≈ HK$113,388/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$731,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,350
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$60,942
−HK$1,615/mo
Today · 4.125%
HK$62,557
baseline
▲ 0.50% · 4.625%
HK$65,854
+HK$3,297/mo
Deposit HK$7.80M · loan HK$11.70M · min. income ≈ HK$125,114/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$731,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,240
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$64,176
−HK$1,967/mo
Today · 4.125%
HK$66,143
baseline
▲ 0.50% · 4.625%
HK$70,168
+HK$4,025/mo
Deposit HK$5.85M · loan HK$13.65M · min. income ≈ HK$132,286/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$731,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,242
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$71,099
−HK$1,884/mo
Today · 4.125%
HK$72,983
baseline
▲ 0.50% · 4.625%
HK$76,830
+HK$3,847/mo
Deposit HK$5.85M · loan HK$13.65M · min. income ≈ HK$145,966/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$731,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,023
−HK$5,018/mo
▼ 0.25% · 3.875%
HK$82,512
−HK$2,529/mo
Today · 4.125%
HK$85,041
baseline
▲ 0.50% · 4.625%
HK$90,216
+HK$5,175/mo
Deposit HK$1.95M · loan HK$17.55M · min. income ≈ HK$170,082/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,025
−HK$4,810/mo
▼ 0.25% · 3.875%
HK$91,413
−HK$2,422/mo
Today · 4.125%
HK$93,835
baseline
▲ 0.50% · 4.625%
HK$98,781
+HK$4,946/mo
Deposit HK$1.95M · loan HK$17.55M · min. income ≈ HK$187,670/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,125 · Scale 2, in force from 26 Feb 2026)