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$44,469
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$45,853
−HK$1,405/mo
Today · 4.125%
HK$47,258
baseline
▲ 0.50% · 4.625%
HK$50,134
+HK$2,876/mo
Deposit HK$9.75M · loan HK$9.75M · min. income ≈ HK$94,516/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$731,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,472
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$50,799
−HK$1,346/mo
Today · 4.125%
HK$52,145
baseline
▲ 0.50% · 4.625%
HK$54,893
+HK$2,748/mo
Deposit HK$9.75M · loan HK$9.75M · min. income ≈ HK$104,290/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$731,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,363
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$55,023
−HK$1,687/mo
Today · 4.125%
HK$56,710
baseline
▲ 0.50% · 4.625%
HK$60,160
+HK$3,450/mo
Deposit HK$7.80M · loan HK$11.70M · min. income ≈ HK$113,420/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$731,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,366
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$60,958
−HK$1,616/mo
Today · 4.125%
HK$62,574
baseline
▲ 0.50% · 4.625%
HK$65,872
+HK$3,298/mo
Deposit HK$7.80M · loan HK$11.70M · min. income ≈ HK$125,148/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$731,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,257
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$64,194
−HK$1,967/mo
Today · 4.125%
HK$66,161
baseline
▲ 0.50% · 4.625%
HK$70,187
+HK$4,026/mo
Deposit HK$5.85M · loan HK$13.65M · min. income ≈ HK$132,322/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$731,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,261
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$71,118
−HK$1,884/mo
Today · 4.125%
HK$73,002
baseline
▲ 0.50% · 4.625%
HK$76,851
+HK$3,849/mo
Deposit HK$5.85M · loan HK$13.65M · min. income ≈ HK$146,004/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$731,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,045
−HK$5,020/mo
▼ 0.25% · 3.875%
HK$82,535
−HK$2,530/mo
Today · 4.125%
HK$85,065
baseline
▲ 0.50% · 4.625%
HK$90,240
+HK$5,175/mo
Deposit HK$1.95M · loan HK$17.55M · min. income ≈ HK$170,130/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,049
−HK$4,811/mo
▼ 0.25% · 3.875%
HK$91,437
−HK$2,423/mo
Today · 4.125%
HK$93,860
baseline
▲ 0.50% · 4.625%
HK$98,808
+HK$4,948/mo
Deposit HK$1.95M · loan HK$17.55M · min. income ≈ HK$187,720/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,323 · Scale 2, in force from 26 Feb 2026)