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$42,666
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$43,993
−HK$1,349/mo
Today · 4.125%
HK$45,342
baseline
▲ 0.50% · 4.625%
HK$48,101
+HK$2,759/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$90,684/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$701,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,466
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$48,739
−HK$1,291/mo
Today · 4.125%
HK$50,030
baseline
▲ 0.50% · 4.625%
HK$52,667
+HK$2,637/mo
Deposit HK$9.36M · loan HK$9.36M · min. income ≈ HK$100,060/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$701,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,200
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$52,792
−HK$1,618/mo
Today · 4.125%
HK$54,410
baseline
▲ 0.50% · 4.625%
HK$57,721
+HK$3,311/mo
Deposit HK$7.48M · loan HK$11.23M · min. income ≈ HK$108,820/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$701,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,959
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$58,487
−HK$1,549/mo
Today · 4.125%
HK$60,036
baseline
▲ 0.50% · 4.625%
HK$63,201
+HK$3,165/mo
Deposit HK$7.48M · loan HK$11.23M · min. income ≈ HK$120,072/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$701,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,733
−HK$3,746/mo
▼ 0.25% · 3.875%
HK$61,591
−HK$1,888/mo
Today · 4.125%
HK$63,479
baseline
▲ 0.50% · 4.625%
HK$67,341
+HK$3,862/mo
Deposit HK$5.61M · loan HK$13.10M · min. income ≈ HK$126,958/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$701,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,452
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$68,234
−HK$1,808/mo
Today · 4.125%
HK$70,042
baseline
▲ 0.50% · 4.625%
HK$73,734
+HK$3,692/mo
Deposit HK$5.61M · loan HK$13.10M · min. income ≈ HK$140,084/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$701,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,799
−HK$4,816/mo
▼ 0.25% · 3.875%
HK$79,188
−HK$2,427/mo
Today · 4.125%
HK$81,615
baseline
▲ 0.50% · 4.625%
HK$86,581
+HK$4,966/mo
Deposit HK$1.87M · loan HK$16.84M · min. income ≈ HK$163,230/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,439
−HK$4,615/mo
▼ 0.25% · 3.875%
HK$87,730
−HK$2,324/mo
Today · 4.125%
HK$90,054
baseline
▲ 0.50% · 4.625%
HK$94,801
+HK$4,747/mo
Deposit HK$1.87M · loan HK$16.84M · min. income ≈ HK$180,108/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,670 · Scale 2, in force from 26 Feb 2026)