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$42,799
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$44,130
−HK$1,353/mo
Today · 4.125%
HK$45,483
baseline
▲ 0.50% · 4.625%
HK$48,250
+HK$2,767/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$90,966/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$703,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,614
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$48,891
−HK$1,295/mo
Today · 4.125%
HK$50,186
baseline
▲ 0.50% · 4.625%
HK$52,831
+HK$2,645/mo
Deposit HK$9.38M · loan HK$9.38M · min. income ≈ HK$100,372/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$703,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,359
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$52,956
−HK$1,624/mo
Today · 4.125%
HK$54,580
baseline
▲ 0.50% · 4.625%
HK$57,901
+HK$3,321/mo
Deposit HK$7.51M · loan HK$11.26M · min. income ≈ HK$109,160/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,136
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$58,669
−HK$1,554/mo
Today · 4.125%
HK$60,223
baseline
▲ 0.50% · 4.625%
HK$63,398
+HK$3,175/mo
Deposit HK$7.51M · loan HK$11.26M · min. income ≈ HK$120,446/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$703,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,919
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$61,783
−HK$1,893/mo
Today · 4.125%
HK$63,676
baseline
▲ 0.50% · 4.625%
HK$67,551
+HK$3,875/mo
Deposit HK$5.63M · loan HK$13.14M · min. income ≈ HK$127,352/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,659
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$68,447
−HK$1,813/mo
Today · 4.125%
HK$70,260
baseline
▲ 0.50% · 4.625%
HK$73,964
+HK$3,704/mo
Deposit HK$5.63M · loan HK$13.14M · min. income ≈ HK$140,520/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$703,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,038
−HK$4,831/mo
▼ 0.25% · 3.875%
HK$79,435
−HK$2,434/mo
Today · 4.125%
HK$81,869
baseline
▲ 0.50% · 4.625%
HK$86,851
+HK$4,982/mo
Deposit HK$1.88M · loan HK$16.89M · min. income ≈ HK$163,738/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,704
−HK$4,631/mo
▼ 0.25% · 3.875%
HK$88,003
−HK$2,332/mo
Today · 4.125%
HK$90,335
baseline
▲ 0.50% · 4.625%
HK$95,096
+HK$4,761/mo
Deposit HK$1.88M · loan HK$16.89M · min. income ≈ HK$180,670/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$703,853 · Scale 2, in force from 26 Feb 2026)