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$44,145
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$45,518
−HK$1,395/mo
Today · 4.125%
HK$46,913
baseline
▲ 0.50% · 4.625%
HK$49,768
+HK$2,855/mo
Deposit HK$9.68M · loan HK$9.68M · min. income ≈ HK$93,826/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$725,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,111
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$50,428
−HK$1,336/mo
Today · 4.125%
HK$51,764
baseline
▲ 0.50% · 4.625%
HK$54,493
+HK$2,729/mo
Deposit HK$9.68M · loan HK$9.68M · min. income ≈ HK$103,528/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$725,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,974
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$54,622
−HK$1,674/mo
Today · 4.125%
HK$56,296
baseline
▲ 0.50% · 4.625%
HK$59,721
+HK$3,425/mo
Deposit HK$7.74M · loan HK$11.62M · min. income ≈ HK$112,592/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$725,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,933
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$60,513
−HK$1,604/mo
Today · 4.125%
HK$62,117
baseline
▲ 0.50% · 4.625%
HK$65,391
+HK$3,274/mo
Deposit HK$7.74M · loan HK$11.62M · min. income ≈ HK$124,234/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$725,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,803
−HK$3,875/mo
▼ 0.25% · 3.875%
HK$63,725
−HK$1,953/mo
Today · 4.125%
HK$65,678
baseline
▲ 0.50% · 4.625%
HK$69,675
+HK$3,997/mo
Deposit HK$5.81M · loan HK$13.55M · min. income ≈ HK$131,356/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,755
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$70,599
−HK$1,871/mo
Today · 4.125%
HK$72,470
baseline
▲ 0.50% · 4.625%
HK$76,290
+HK$3,820/mo
Deposit HK$5.81M · loan HK$13.55M · min. income ≈ HK$144,940/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,461
−HK$4,983/mo
▼ 0.25% · 3.875%
HK$81,932
−HK$2,512/mo
Today · 4.125%
HK$84,444
baseline
▲ 0.50% · 4.625%
HK$89,582
+HK$5,138/mo
Deposit HK$1.94M · loan HK$17.42M · min. income ≈ HK$168,888/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,399
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$90,770
−HK$2,405/mo
Today · 4.125%
HK$93,175
baseline
▲ 0.50% · 4.625%
HK$98,087
+HK$4,912/mo
Deposit HK$1.94M · loan HK$17.42M · min. income ≈ HK$186,350/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,985 · Scale 2, in force from 26 Feb 2026)