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$42,655
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$43,982
−HK$1,348/mo
Today · 4.125%
HK$45,330
baseline
▲ 0.50% · 4.625%
HK$48,088
+HK$2,758/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$90,660/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$701,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,453
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$48,726
−HK$1,291/mo
Today · 4.125%
HK$50,017
baseline
▲ 0.50% · 4.625%
HK$52,653
+HK$2,636/mo
Deposit HK$9.35M · loan HK$9.35M · min. income ≈ HK$100,034/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$701,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,186
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$52,778
−HK$1,618/mo
Today · 4.125%
HK$54,396
baseline
▲ 0.50% · 4.625%
HK$57,705
+HK$3,309/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$108,792/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$701,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,944
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$58,471
−HK$1,549/mo
Today · 4.125%
HK$60,020
baseline
▲ 0.50% · 4.625%
HK$63,184
+HK$3,164/mo
Deposit HK$7.48M · loan HK$11.22M · min. income ≈ HK$120,040/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$701,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,717
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$61,574
−HK$1,888/mo
Today · 4.125%
HK$63,462
baseline
▲ 0.50% · 4.625%
HK$67,323
+HK$3,861/mo
Deposit HK$5.61M · loan HK$13.09M · min. income ≈ HK$126,924/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,434
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$68,216
−HK$1,808/mo
Today · 4.125%
HK$70,024
baseline
▲ 0.50% · 4.625%
HK$73,715
+HK$3,691/mo
Deposit HK$5.61M · loan HK$13.09M · min. income ≈ HK$140,048/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$701,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,779
−HK$4,814/mo
▼ 0.25% · 3.875%
HK$79,167
−HK$2,426/mo
Today · 4.125%
HK$81,593
baseline
▲ 0.50% · 4.625%
HK$86,558
+HK$4,965/mo
Deposit HK$1.87M · loan HK$16.84M · min. income ≈ HK$163,186/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,416
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$87,706
−HK$2,324/mo
Today · 4.125%
HK$90,030
baseline
▲ 0.50% · 4.625%
HK$94,776
+HK$4,746/mo
Deposit HK$1.87M · loan HK$16.84M · min. income ≈ HK$180,060/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$701,481 · Scale 2, in force from 26 Feb 2026)