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$43,741
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$45,101
−HK$1,383/mo
Today · 4.125%
HK$46,484
baseline
▲ 0.50% · 4.625%
HK$49,312
+HK$2,828/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$92,968/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$719,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,661
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$49,966
−HK$1,324/mo
Today · 4.125%
HK$51,290
baseline
▲ 0.50% · 4.625%
HK$53,994
+HK$2,704/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$102,580/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$719,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,489
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$54,122
−HK$1,659/mo
Today · 4.125%
HK$55,781
baseline
▲ 0.50% · 4.625%
HK$59,175
+HK$3,394/mo
Deposit HK$7.67M · loan HK$11.51M · min. income ≈ HK$111,562/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$719,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,393
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$59,960
−HK$1,588/mo
Today · 4.125%
HK$61,548
baseline
▲ 0.50% · 4.625%
HK$64,793
+HK$3,245/mo
Deposit HK$7.67M · loan HK$11.51M · min. income ≈ HK$123,096/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$719,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,237
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$63,142
−HK$1,935/mo
Today · 4.125%
HK$65,077
baseline
▲ 0.50% · 4.625%
HK$69,037
+HK$3,960/mo
Deposit HK$5.75M · loan HK$13.43M · min. income ≈ HK$130,154/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$719,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,126
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$69,953
−HK$1,853/mo
Today · 4.125%
HK$71,806
baseline
▲ 0.50% · 4.625%
HK$75,591
+HK$3,785/mo
Deposit HK$5.75M · loan HK$13.43M · min. income ≈ HK$143,612/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$719,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,733
−HK$4,938/mo
▼ 0.25% · 3.875%
HK$81,183
−HK$2,488/mo
Today · 4.125%
HK$83,671
baseline
▲ 0.50% · 4.625%
HK$88,762
+HK$5,091/mo
Deposit HK$1.92M · loan HK$17.26M · min. income ≈ HK$167,342/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,590
−HK$4,732/mo
▼ 0.25% · 3.875%
HK$89,939
−HK$2,383/mo
Today · 4.125%
HK$92,322
baseline
▲ 0.50% · 4.625%
HK$97,189
+HK$4,867/mo
Deposit HK$1.92M · loan HK$17.26M · min. income ≈ HK$184,644/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,341 · Scale 2, in force from 26 Feb 2026)