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$42,812
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$44,144
−HK$1,353/mo
Today · 4.125%
HK$45,497
baseline
▲ 0.50% · 4.625%
HK$48,265
+HK$2,768/mo
Deposit HK$9.39M · loan HK$9.39M · min. income ≈ HK$90,994/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$704,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,628
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$48,905
−HK$1,296/mo
Today · 4.125%
HK$50,201
baseline
▲ 0.50% · 4.625%
HK$52,847
+HK$2,646/mo
Deposit HK$9.39M · loan HK$9.39M · min. income ≈ HK$100,402/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$704,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,374
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$52,972
−HK$1,624/mo
Today · 4.125%
HK$54,596
baseline
▲ 0.50% · 4.625%
HK$57,918
+HK$3,322/mo
Deposit HK$7.51M · loan HK$11.27M · min. income ≈ HK$109,192/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$704,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,154
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$58,686
−HK$1,555/mo
Today · 4.125%
HK$60,241
baseline
▲ 0.50% · 4.625%
HK$63,417
+HK$3,176/mo
Deposit HK$7.51M · loan HK$11.27M · min. income ≈ HK$120,482/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$704,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,937
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$61,801
−HK$1,894/mo
Today · 4.125%
HK$63,695
baseline
▲ 0.50% · 4.625%
HK$67,571
+HK$3,876/mo
Deposit HK$5.63M · loan HK$13.14M · min. income ≈ HK$127,390/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,679
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$68,467
−HK$1,815/mo
Today · 4.125%
HK$70,282
baseline
▲ 0.50% · 4.625%
HK$73,986
+HK$3,704/mo
Deposit HK$5.63M · loan HK$13.14M · min. income ≈ HK$140,564/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,062
−HK$4,832/mo
▼ 0.25% · 3.875%
HK$79,459
−HK$2,435/mo
Today · 4.125%
HK$81,894
baseline
▲ 0.50% · 4.625%
HK$86,877
+HK$4,983/mo
Deposit HK$1.88M · loan HK$16.90M · min. income ≈ HK$163,788/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,730
−HK$4,632/mo
▼ 0.25% · 3.875%
HK$88,030
−HK$2,332/mo
Today · 4.125%
HK$90,362
baseline
▲ 0.50% · 4.625%
HK$95,125
+HK$4,763/mo
Deposit HK$1.88M · loan HK$16.90M · min. income ≈ HK$180,724/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,067 · Scale 2, in force from 26 Feb 2026)