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$43,785
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$45,147
−HK$1,384/mo
Today · 4.125%
HK$46,531
baseline
▲ 0.50% · 4.625%
HK$49,362
+HK$2,831/mo
Deposit HK$9.60M · loan HK$9.60M · min. income ≈ HK$93,062/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$720,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,710
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$50,017
−HK$1,325/mo
Today · 4.125%
HK$51,342
baseline
▲ 0.50% · 4.625%
HK$54,048
+HK$2,706/mo
Deposit HK$9.60M · loan HK$9.60M · min. income ≈ HK$102,684/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$720,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,542
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$54,176
−HK$1,661/mo
Today · 4.125%
HK$55,837
baseline
▲ 0.50% · 4.625%
HK$59,234
+HK$3,397/mo
Deposit HK$7.68M · loan HK$11.52M · min. income ≈ HK$111,674/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$720,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,452
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$60,020
−HK$1,590/mo
Today · 4.125%
HK$61,610
baseline
▲ 0.50% · 4.625%
HK$64,858
+HK$3,248/mo
Deposit HK$7.68M · loan HK$11.52M · min. income ≈ HK$123,220/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$720,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,299
−HK$3,844/mo
▼ 0.25% · 3.875%
HK$63,206
−HK$1,937/mo
Today · 4.125%
HK$65,143
baseline
▲ 0.50% · 4.625%
HK$69,107
+HK$3,964/mo
Deposit HK$5.76M · loan HK$13.44M · min. income ≈ HK$130,286/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$720,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,194
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$70,023
−HK$1,856/mo
Today · 4.125%
HK$71,879
baseline
▲ 0.50% · 4.625%
HK$75,668
+HK$3,789/mo
Deposit HK$5.76M · loan HK$13.44M · min. income ≈ HK$143,758/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$720,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,813
−HK$4,942/mo
▼ 0.25% · 3.875%
HK$81,264
−HK$2,491/mo
Today · 4.125%
HK$83,755
baseline
▲ 0.50% · 4.625%
HK$88,852
+HK$5,097/mo
Deposit HK$1.92M · loan HK$17.28M · min. income ≈ HK$167,510/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,679
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$90,030
−HK$2,386/mo
Today · 4.125%
HK$92,416
baseline
▲ 0.50% · 4.625%
HK$97,287
+HK$4,871/mo
Deposit HK$1.92M · loan HK$17.28M · min. income ≈ HK$184,832/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,067 · Scale 2, in force from 26 Feb 2026)