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$44,437
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$45,819
−HK$1,405/mo
Today · 4.125%
HK$47,224
baseline
▲ 0.50% · 4.625%
HK$50,097
+HK$2,873/mo
Deposit HK$9.74M · loan HK$9.74M · min. income ≈ HK$94,448/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$730,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,436
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$50,761
−HK$1,345/mo
Today · 4.125%
HK$52,106
baseline
▲ 0.50% · 4.625%
HK$54,853
+HK$2,747/mo
Deposit HK$9.74M · loan HK$9.74M · min. income ≈ HK$104,212/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$730,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,324
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$54,983
−HK$1,685/mo
Today · 4.125%
HK$56,668
baseline
▲ 0.50% · 4.625%
HK$60,116
+HK$3,448/mo
Deposit HK$7.80M · loan HK$11.69M · min. income ≈ HK$113,336/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$730,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,323
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$60,914
−HK$1,614/mo
Today · 4.125%
HK$62,528
baseline
▲ 0.50% · 4.625%
HK$65,824
+HK$3,296/mo
Deposit HK$7.80M · loan HK$11.69M · min. income ≈ HK$125,056/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$730,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,212
−HK$3,901/mo
▼ 0.25% · 3.875%
HK$64,147
−HK$1,966/mo
Today · 4.125%
HK$66,113
baseline
▲ 0.50% · 4.625%
HK$70,136
+HK$4,023/mo
Deposit HK$5.85M · loan HK$13.64M · min. income ≈ HK$132,226/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$730,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,210
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$71,066
−HK$1,883/mo
Today · 4.125%
HK$72,949
baseline
▲ 0.50% · 4.625%
HK$76,794
+HK$3,845/mo
Deposit HK$5.85M · loan HK$13.64M · min. income ≈ HK$145,898/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$730,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,986
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$82,474
−HK$2,528/mo
Today · 4.125%
HK$85,002
baseline
▲ 0.50% · 4.625%
HK$90,174
+HK$5,172/mo
Deposit HK$1.95M · loan HK$17.54M · min. income ≈ HK$170,004/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,984
−HK$4,808/mo
▼ 0.25% · 3.875%
HK$91,371
−HK$2,421/mo
Today · 4.125%
HK$93,792
baseline
▲ 0.50% · 4.625%
HK$98,736
+HK$4,944/mo
Deposit HK$1.95M · loan HK$17.54M · min. income ≈ HK$187,584/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,789 · Scale 2, in force from 26 Feb 2026)