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$44,463
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$45,846
−HK$1,405/mo
Today · 4.125%
HK$47,251
baseline
▲ 0.50% · 4.625%
HK$50,126
+HK$2,875/mo
Deposit HK$9.75M · loan HK$9.75M · min. income ≈ HK$94,502/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$731,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,464
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$50,791
−HK$1,346/mo
Today · 4.125%
HK$52,137
baseline
▲ 0.50% · 4.625%
HK$54,885
+HK$2,748/mo
Deposit HK$9.75M · loan HK$9.75M · min. income ≈ HK$104,274/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$731,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,355
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$55,015
−HK$1,686/mo
Today · 4.125%
HK$56,701
baseline
▲ 0.50% · 4.625%
HK$60,151
+HK$3,450/mo
Deposit HK$7.80M · loan HK$11.70M · min. income ≈ HK$113,402/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$731,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,357
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$60,949
−HK$1,615/mo
Today · 4.125%
HK$62,564
baseline
▲ 0.50% · 4.625%
HK$65,862
+HK$3,298/mo
Deposit HK$7.80M · loan HK$11.70M · min. income ≈ HK$125,128/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$731,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,248
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$64,184
−HK$1,967/mo
Today · 4.125%
HK$66,151
baseline
▲ 0.50% · 4.625%
HK$70,176
+HK$4,025/mo
Deposit HK$5.85M · loan HK$13.65M · min. income ≈ HK$132,302/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$731,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,250
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$71,107
−HK$1,884/mo
Today · 4.125%
HK$72,991
baseline
▲ 0.50% · 4.625%
HK$76,839
+HK$3,848/mo
Deposit HK$5.85M · loan HK$13.65M · min. income ≈ HK$145,982/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$731,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,033
−HK$5,019/mo
▼ 0.25% · 3.875%
HK$82,522
−HK$2,530/mo
Today · 4.125%
HK$85,052
baseline
▲ 0.50% · 4.625%
HK$90,227
+HK$5,175/mo
Deposit HK$1.95M · loan HK$17.55M · min. income ≈ HK$170,104/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,036
−HK$4,810/mo
▼ 0.25% · 3.875%
HK$91,424
−HK$2,422/mo
Today · 4.125%
HK$93,846
baseline
▲ 0.50% · 4.625%
HK$98,793
+HK$4,947/mo
Deposit HK$1.95M · loan HK$17.55M · min. income ≈ HK$187,692/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,212 · Scale 2, in force from 26 Feb 2026)