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$42,840
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$44,173
−HK$1,354/mo
Today · 4.125%
HK$45,527
baseline
▲ 0.50% · 4.625%
HK$48,297
+HK$2,770/mo
Deposit HK$9.39M · loan HK$9.39M · min. income ≈ HK$91,054/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$704,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,659
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$48,938
−HK$1,296/mo
Today · 4.125%
HK$50,234
baseline
▲ 0.50% · 4.625%
HK$52,882
+HK$2,648/mo
Deposit HK$9.39M · loan HK$9.39M · min. income ≈ HK$100,468/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$704,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,408
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$53,007
−HK$1,625/mo
Today · 4.125%
HK$54,632
baseline
▲ 0.50% · 4.625%
HK$57,956
+HK$3,324/mo
Deposit HK$7.51M · loan HK$11.27M · min. income ≈ HK$109,264/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$704,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,191
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$58,725
−HK$1,556/mo
Today · 4.125%
HK$60,281
baseline
▲ 0.50% · 4.625%
HK$63,459
+HK$3,178/mo
Deposit HK$7.51M · loan HK$11.27M · min. income ≈ HK$120,562/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$704,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,976
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$61,842
−HK$1,895/mo
Today · 4.125%
HK$63,737
baseline
▲ 0.50% · 4.625%
HK$67,616
+HK$3,879/mo
Deposit HK$5.64M · loan HK$13.15M · min. income ≈ HK$127,474/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,723
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$68,513
−HK$1,815/mo
Today · 4.125%
HK$70,328
baseline
▲ 0.50% · 4.625%
HK$74,035
+HK$3,707/mo
Deposit HK$5.64M · loan HK$13.15M · min. income ≈ HK$140,656/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$704,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,113
−HK$4,835/mo
▼ 0.25% · 3.875%
HK$79,511
−HK$2,437/mo
Today · 4.125%
HK$81,948
baseline
▲ 0.50% · 4.625%
HK$86,935
+HK$4,987/mo
Deposit HK$1.88M · loan HK$16.91M · min. income ≈ HK$163,896/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,787
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$88,088
−HK$2,334/mo
Today · 4.125%
HK$90,422
baseline
▲ 0.50% · 4.625%
HK$95,188
+HK$4,766/mo
Deposit HK$1.88M · loan HK$16.91M · min. income ≈ HK$180,844/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$704,531 · Scale 2, in force from 26 Feb 2026)