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$43,812
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$45,175
−HK$1,385/mo
Today · 4.125%
HK$46,560
baseline
▲ 0.50% · 4.625%
HK$49,393
+HK$2,833/mo
Deposit HK$9.61M · loan HK$9.61M · min. income ≈ HK$93,120/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$720,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,741
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$50,048
−HK$1,326/mo
Today · 4.125%
HK$51,374
baseline
▲ 0.50% · 4.625%
HK$54,082
+HK$2,708/mo
Deposit HK$9.61M · loan HK$9.61M · min. income ≈ HK$102,748/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$720,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,575
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$54,210
−HK$1,661/mo
Today · 4.125%
HK$55,871
baseline
▲ 0.50% · 4.625%
HK$59,271
+HK$3,400/mo
Deposit HK$7.69M · loan HK$11.53M · min. income ≈ HK$111,742/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$720,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,489
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$60,057
−HK$1,592/mo
Today · 4.125%
HK$61,649
baseline
▲ 0.50% · 4.625%
HK$64,898
+HK$3,249/mo
Deposit HK$7.69M · loan HK$11.53M · min. income ≈ HK$123,298/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$720,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,337
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$63,245
−HK$1,938/mo
Today · 4.125%
HK$65,183
baseline
▲ 0.50% · 4.625%
HK$69,150
+HK$3,967/mo
Deposit HK$5.76M · loan HK$13.45M · min. income ≈ HK$130,366/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$720,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,237
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$70,067
−HK$1,856/mo
Today · 4.125%
HK$71,923
baseline
▲ 0.50% · 4.625%
HK$75,715
+HK$3,792/mo
Deposit HK$5.76M · loan HK$13.45M · min. income ≈ HK$143,846/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$720,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,862
−HK$4,945/mo
▼ 0.25% · 3.875%
HK$81,315
−HK$2,492/mo
Today · 4.125%
HK$83,807
baseline
▲ 0.50% · 4.625%
HK$88,907
+HK$5,100/mo
Deposit HK$1.92M · loan HK$17.29M · min. income ≈ HK$167,614/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,733
−HK$4,740/mo
▼ 0.25% · 3.875%
HK$90,086
−HK$2,387/mo
Today · 4.125%
HK$92,473
baseline
▲ 0.50% · 4.625%
HK$97,347
+HK$4,874/mo
Deposit HK$1.92M · loan HK$17.29M · min. income ≈ HK$184,946/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,513 · Scale 2, in force from 26 Feb 2026)