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$43,711
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$45,071
−HK$1,381/mo
Today · 4.125%
HK$46,452
baseline
▲ 0.50% · 4.625%
HK$49,279
+HK$2,827/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$92,904/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$718,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,628
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$49,932
−HK$1,323/mo
Today · 4.125%
HK$51,255
baseline
▲ 0.50% · 4.625%
HK$53,957
+HK$2,702/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$102,510/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$718,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,453
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$54,085
−HK$1,658/mo
Today · 4.125%
HK$55,743
baseline
▲ 0.50% · 4.625%
HK$59,134
+HK$3,391/mo
Deposit HK$7.67M · loan HK$11.50M · min. income ≈ HK$111,486/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$718,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,354
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$59,919
−HK$1,587/mo
Today · 4.125%
HK$61,506
baseline
▲ 0.50% · 4.625%
HK$64,748
+HK$3,242/mo
Deposit HK$7.67M · loan HK$11.50M · min. income ≈ HK$123,012/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$718,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,195
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$63,099
−HK$1,934/mo
Today · 4.125%
HK$65,033
baseline
▲ 0.50% · 4.625%
HK$68,990
+HK$3,957/mo
Deposit HK$5.75M · loan HK$13.42M · min. income ≈ HK$130,066/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$718,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,079
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$69,905
−HK$1,852/mo
Today · 4.125%
HK$71,757
baseline
▲ 0.50% · 4.625%
HK$75,540
+HK$3,783/mo
Deposit HK$5.75M · loan HK$13.42M · min. income ≈ HK$143,514/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$718,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,680
−HK$4,934/mo
▼ 0.25% · 3.875%
HK$81,127
−HK$2,487/mo
Today · 4.125%
HK$83,614
baseline
▲ 0.50% · 4.625%
HK$88,702
+HK$5,088/mo
Deposit HK$1.92M · loan HK$17.25M · min. income ≈ HK$167,228/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$718,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,531
−HK$4,729/mo
▼ 0.25% · 3.875%
HK$89,878
−HK$2,382/mo
Today · 4.125%
HK$92,260
baseline
▲ 0.50% · 4.625%
HK$97,123
+HK$4,863/mo
Deposit HK$1.92M · loan HK$17.25M · min. income ≈ HK$184,520/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$718,851 · Scale 2, in force from 26 Feb 2026)