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$44,083
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$45,454
−HK$1,393/mo
Today · 4.125%
HK$46,847
baseline
▲ 0.50% · 4.625%
HK$49,698
+HK$2,851/mo
Deposit HK$9.67M · loan HK$9.67M · min. income ≈ HK$93,694/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$724,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,042
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$50,357
−HK$1,334/mo
Today · 4.125%
HK$51,691
baseline
▲ 0.50% · 4.625%
HK$54,416
+HK$2,725/mo
Deposit HK$9.67M · loan HK$9.67M · min. income ≈ HK$103,382/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$724,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,899
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$54,545
−HK$1,672/mo
Today · 4.125%
HK$56,217
baseline
▲ 0.50% · 4.625%
HK$59,637
+HK$3,420/mo
Deposit HK$7.73M · loan HK$11.60M · min. income ≈ HK$112,434/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$724,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,850
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$60,428
−HK$1,601/mo
Today · 4.125%
HK$62,029
baseline
▲ 0.50% · 4.625%
HK$65,299
+HK$3,270/mo
Deposit HK$7.73M · loan HK$11.60M · min. income ≈ HK$124,058/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$724,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,716
−HK$3,870/mo
▼ 0.25% · 3.875%
HK$63,636
−HK$1,950/mo
Today · 4.125%
HK$65,586
baseline
▲ 0.50% · 4.625%
HK$69,577
+HK$3,991/mo
Deposit HK$5.80M · loan HK$13.53M · min. income ≈ HK$131,172/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,658
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$70,500
−HK$1,868/mo
Today · 4.125%
HK$72,368
baseline
▲ 0.50% · 4.625%
HK$76,182
+HK$3,814/mo
Deposit HK$5.80M · loan HK$13.53M · min. income ≈ HK$144,736/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,349
−HK$4,976/mo
▼ 0.25% · 3.875%
HK$81,817
−HK$2,508/mo
Today · 4.125%
HK$84,325
baseline
▲ 0.50% · 4.625%
HK$89,456
+HK$5,131/mo
Deposit HK$1.93M · loan HK$17.40M · min. income ≈ HK$168,650/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,275
−HK$4,769/mo
▼ 0.25% · 3.875%
HK$90,643
−HK$2,401/mo
Today · 4.125%
HK$93,044
baseline
▲ 0.50% · 4.625%
HK$97,949
+HK$4,905/mo
Deposit HK$1.93M · loan HK$17.40M · min. income ≈ HK$186,088/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,965 · Scale 2, in force from 26 Feb 2026)