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$44,475
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$45,858
−HK$1,406/mo
Today · 4.125%
HK$47,264
baseline
▲ 0.50% · 4.625%
HK$50,140
+HK$2,876/mo
Deposit HK$9.75M · loan HK$9.75M · min. income ≈ HK$94,528/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$731,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,478
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$50,805
−HK$1,346/mo
Today · 4.125%
HK$52,151
baseline
▲ 0.50% · 4.625%
HK$54,900
+HK$2,749/mo
Deposit HK$9.75M · loan HK$9.75M · min. income ≈ HK$104,302/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$731,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,370
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$55,030
−HK$1,686/mo
Today · 4.125%
HK$56,716
baseline
▲ 0.50% · 4.625%
HK$60,167
+HK$3,451/mo
Deposit HK$7.80M · loan HK$11.70M · min. income ≈ HK$113,432/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$731,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,373
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$60,966
−HK$1,615/mo
Today · 4.125%
HK$62,581
baseline
▲ 0.50% · 4.625%
HK$65,880
+HK$3,299/mo
Deposit HK$7.80M · loan HK$11.70M · min. income ≈ HK$125,162/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$731,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,265
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$64,201
−HK$1,968/mo
Today · 4.125%
HK$66,169
baseline
▲ 0.50% · 4.625%
HK$70,195
+HK$4,026/mo
Deposit HK$5.85M · loan HK$13.65M · min. income ≈ HK$132,338/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$731,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,269
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$71,126
−HK$1,885/mo
Today · 4.125%
HK$73,011
baseline
▲ 0.50% · 4.625%
HK$76,860
+HK$3,849/mo
Deposit HK$5.85M · loan HK$13.65M · min. income ≈ HK$146,022/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$731,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,054
−HK$5,021/mo
▼ 0.25% · 3.875%
HK$82,545
−HK$2,530/mo
Today · 4.125%
HK$85,075
baseline
▲ 0.50% · 4.625%
HK$90,251
+HK$5,176/mo
Deposit HK$1.95M · loan HK$17.55M · min. income ≈ HK$170,150/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,060
−HK$4,811/mo
▼ 0.25% · 3.875%
HK$91,448
−HK$2,423/mo
Today · 4.125%
HK$93,871
baseline
▲ 0.50% · 4.625%
HK$98,819
+HK$4,948/mo
Deposit HK$1.95M · loan HK$17.55M · min. income ≈ HK$187,742/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,409 · Scale 2, in force from 26 Feb 2026)