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$42,571
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$43,895
−HK$1,345/mo
Today · 4.125%
HK$45,240
baseline
▲ 0.50% · 4.625%
HK$47,993
+HK$2,753/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$90,480/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$700,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,359
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$48,630
−HK$1,288/mo
Today · 4.125%
HK$49,918
baseline
▲ 0.50% · 4.625%
HK$52,549
+HK$2,631/mo
Deposit HK$9.33M · loan HK$9.33M · min. income ≈ HK$99,836/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$700,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,085
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$52,674
−HK$1,614/mo
Today · 4.125%
HK$54,288
baseline
▲ 0.50% · 4.625%
HK$57,592
+HK$3,304/mo
Deposit HK$7.47M · loan HK$11.20M · min. income ≈ HK$108,576/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,831
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$58,356
−HK$1,546/mo
Today · 4.125%
HK$59,902
baseline
▲ 0.50% · 4.625%
HK$63,059
+HK$3,157/mo
Deposit HK$7.47M · loan HK$11.20M · min. income ≈ HK$119,804/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$700,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,599
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$61,453
−HK$1,883/mo
Today · 4.125%
HK$63,336
baseline
▲ 0.50% · 4.625%
HK$67,190
+HK$3,854/mo
Deposit HK$5.60M · loan HK$13.07M · min. income ≈ HK$126,672/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$700,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,303
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$68,081
−HK$1,804/mo
Today · 4.125%
HK$69,885
baseline
▲ 0.50% · 4.625%
HK$73,569
+HK$3,684/mo
Deposit HK$5.60M · loan HK$13.07M · min. income ≈ HK$139,770/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$700,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,627
−HK$4,805/mo
▼ 0.25% · 3.875%
HK$79,011
−HK$2,421/mo
Today · 4.125%
HK$81,432
baseline
▲ 0.50% · 4.625%
HK$86,387
+HK$4,955/mo
Deposit HK$1.87M · loan HK$16.80M · min. income ≈ HK$162,864/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,247
−HK$4,606/mo
▼ 0.25% · 3.875%
HK$87,533
−HK$2,320/mo
Today · 4.125%
HK$89,853
baseline
▲ 0.50% · 4.625%
HK$94,589
+HK$4,736/mo
Deposit HK$1.87M · loan HK$16.80M · min. income ≈ HK$179,706/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$700,098 · Scale 2, in force from 26 Feb 2026)