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$42,592
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$43,917
−HK$1,346/mo
Today · 4.125%
HK$45,263
baseline
▲ 0.50% · 4.625%
HK$48,017
+HK$2,754/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$90,526/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,383
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$48,654
−HK$1,289/mo
Today · 4.125%
HK$49,943
baseline
▲ 0.50% · 4.625%
HK$52,575
+HK$2,632/mo
Deposit HK$9.34M · loan HK$9.34M · min. income ≈ HK$99,886/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$700,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,110
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$52,700
−HK$1,615/mo
Today · 4.125%
HK$54,315
baseline
▲ 0.50% · 4.625%
HK$57,620
+HK$3,305/mo
Deposit HK$7.47M · loan HK$11.21M · min. income ≈ HK$108,630/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,859
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$58,384
−HK$1,547/mo
Today · 4.125%
HK$59,931
baseline
▲ 0.50% · 4.625%
HK$63,090
+HK$3,159/mo
Deposit HK$7.47M · loan HK$11.21M · min. income ≈ HK$119,862/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,628
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$61,483
−HK$1,885/mo
Today · 4.125%
HK$63,368
baseline
▲ 0.50% · 4.625%
HK$67,223
+HK$3,855/mo
Deposit HK$5.60M · loan HK$13.07M · min. income ≈ HK$126,736/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$700,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,336
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$68,115
−HK$1,805/mo
Today · 4.125%
HK$69,920
baseline
▲ 0.50% · 4.625%
HK$73,605
+HK$3,685/mo
Deposit HK$5.60M · loan HK$13.07M · min. income ≈ HK$139,840/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$700,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,665
−HK$4,808/mo
▼ 0.25% · 3.875%
HK$79,050
−HK$2,423/mo
Today · 4.125%
HK$81,473
baseline
▲ 0.50% · 4.625%
HK$86,430
+HK$4,957/mo
Deposit HK$1.87M · loan HK$16.81M · min. income ≈ HK$162,946/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,289
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$87,577
−HK$2,320/mo
Today · 4.125%
HK$89,897
baseline
▲ 0.50% · 4.625%
HK$94,636
+HK$4,739/mo
Deposit HK$1.87M · loan HK$16.81M · min. income ≈ HK$179,794/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,443 · Scale 2, in force from 26 Feb 2026)