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$42,646
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$43,973
−HK$1,347/mo
Today · 4.125%
HK$45,320
baseline
▲ 0.50% · 4.625%
HK$48,078
+HK$2,758/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$90,640/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$701,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,443
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$48,716
−HK$1,290/mo
Today · 4.125%
HK$50,006
baseline
▲ 0.50% · 4.625%
HK$52,642
+HK$2,636/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$100,012/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$701,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,175
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$52,767
−HK$1,617/mo
Today · 4.125%
HK$54,384
baseline
▲ 0.50% · 4.625%
HK$57,694
+HK$3,310/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$108,768/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$701,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,932
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$58,459
−HK$1,549/mo
Today · 4.125%
HK$60,008
baseline
▲ 0.50% · 4.625%
HK$63,171
+HK$3,163/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$120,016/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$701,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,704
−HK$3,744/mo
▼ 0.25% · 3.875%
HK$61,562
−HK$1,886/mo
Today · 4.125%
HK$63,448
baseline
▲ 0.50% · 4.625%
HK$67,309
+HK$3,861/mo
Deposit HK$5.61M · loan HK$13.09M · min. income ≈ HK$126,896/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,421
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$68,202
−HK$1,807/mo
Today · 4.125%
HK$70,009
baseline
▲ 0.50% · 4.625%
HK$73,699
+HK$3,690/mo
Deposit HK$5.61M · loan HK$13.09M · min. income ≈ HK$140,018/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,763
−HK$4,814/mo
▼ 0.25% · 3.875%
HK$79,151
−HK$2,426/mo
Today · 4.125%
HK$81,577
baseline
▲ 0.50% · 4.625%
HK$86,540
+HK$4,963/mo
Deposit HK$1.87M · loan HK$16.83M · min. income ≈ HK$163,154/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,398
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$87,688
−HK$2,324/mo
Today · 4.125%
HK$90,012
baseline
▲ 0.50% · 4.625%
HK$94,756
+HK$4,744/mo
Deposit HK$1.87M · loan HK$16.83M · min. income ≈ HK$180,024/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,337 · Scale 2, in force from 26 Feb 2026)