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$43,598
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$44,954
−HK$1,378/mo
Today · 4.125%
HK$46,332
baseline
▲ 0.50% · 4.625%
HK$49,151
+HK$2,819/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$92,664/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$716,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,502
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$49,803
−HK$1,320/mo
Today · 4.125%
HK$51,123
baseline
▲ 0.50% · 4.625%
HK$53,818
+HK$2,695/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$102,246/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$716,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,318
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$53,945
−HK$1,654/mo
Today · 4.125%
HK$55,599
baseline
▲ 0.50% · 4.625%
HK$58,982
+HK$3,383/mo
Deposit HK$7.65M · loan HK$11.47M · min. income ≈ HK$111,198/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,203
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$59,764
−HK$1,584/mo
Today · 4.125%
HK$61,348
baseline
▲ 0.50% · 4.625%
HK$64,581
+HK$3,233/mo
Deposit HK$7.65M · loan HK$11.47M · min. income ≈ HK$122,696/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,037
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$62,936
−HK$1,929/mo
Today · 4.125%
HK$64,865
baseline
▲ 0.50% · 4.625%
HK$68,812
+HK$3,947/mo
Deposit HK$5.74M · loan HK$13.38M · min. income ≈ HK$129,730/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,903
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$69,725
−HK$1,847/mo
Today · 4.125%
HK$71,572
baseline
▲ 0.50% · 4.625%
HK$75,345
+HK$3,773/mo
Deposit HK$5.74M · loan HK$13.38M · min. income ≈ HK$143,144/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,477
−HK$4,921/mo
▼ 0.25% · 3.875%
HK$80,918
−HK$2,480/mo
Today · 4.125%
HK$83,398
baseline
▲ 0.50% · 4.625%
HK$88,472
+HK$5,074/mo
Deposit HK$1.91M · loan HK$17.21M · min. income ≈ HK$166,796/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,304
−HK$4,717/mo
▼ 0.25% · 3.875%
HK$89,646
−HK$2,375/mo
Today · 4.125%
HK$92,021
baseline
▲ 0.50% · 4.625%
HK$96,872
+HK$4,851/mo
Deposit HK$1.91M · loan HK$17.21M · min. income ≈ HK$184,042/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,995 · Scale 2, in force from 26 Feb 2026)