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$42,873
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$44,206
−HK$1,355/mo
Today · 4.125%
HK$45,561
baseline
▲ 0.50% · 4.625%
HK$48,334
+HK$2,773/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$91,122/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,696
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$48,975
−HK$1,297/mo
Today · 4.125%
HK$50,272
baseline
▲ 0.50% · 4.625%
HK$52,922
+HK$2,650/mo
Deposit HK$9.40M · loan HK$9.40M · min. income ≈ HK$100,544/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$705,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,447
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$53,048
−HK$1,626/mo
Today · 4.125%
HK$54,674
baseline
▲ 0.50% · 4.625%
HK$58,000
+HK$3,326/mo
Deposit HK$7.52M · loan HK$11.28M · min. income ≈ HK$109,348/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,235
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$58,770
−HK$1,557/mo
Today · 4.125%
HK$60,327
baseline
▲ 0.50% · 4.625%
HK$63,507
+HK$3,180/mo
Deposit HK$7.52M · loan HK$11.28M · min. income ≈ HK$120,654/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$705,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,022
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$61,889
−HK$1,897/mo
Today · 4.125%
HK$63,786
baseline
▲ 0.50% · 4.625%
HK$67,667
+HK$3,881/mo
Deposit HK$5.64M · loan HK$13.16M · min. income ≈ HK$127,572/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,774
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$68,565
−HK$1,816/mo
Today · 4.125%
HK$70,381
baseline
▲ 0.50% · 4.625%
HK$74,091
+HK$3,710/mo
Deposit HK$5.64M · loan HK$13.16M · min. income ≈ HK$140,762/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$705,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,171
−HK$4,839/mo
▼ 0.25% · 3.875%
HK$79,572
−HK$2,438/mo
Today · 4.125%
HK$82,010
baseline
▲ 0.50% · 4.625%
HK$87,001
+HK$4,991/mo
Deposit HK$1.88M · loan HK$16.92M · min. income ≈ HK$164,020/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,852
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$88,155
−HK$2,335/mo
Today · 4.125%
HK$90,490
baseline
▲ 0.50% · 4.625%
HK$95,260
+HK$4,770/mo
Deposit HK$1.88M · loan HK$16.92M · min. income ≈ HK$180,980/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$705,067 · Scale 2, in force from 26 Feb 2026)