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$43,662
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$45,021
−HK$1,379/mo
Today · 4.125%
HK$46,400
baseline
▲ 0.50% · 4.625%
HK$49,224
+HK$2,824/mo
Deposit HK$9.57M · loan HK$9.57M · min. income ≈ HK$92,800/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$718,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,574
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$49,877
−HK$1,321/mo
Today · 4.125%
HK$51,198
baseline
▲ 0.50% · 4.625%
HK$53,897
+HK$2,699/mo
Deposit HK$9.57M · loan HK$9.57M · min. income ≈ HK$102,396/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$718,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,395
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$54,025
−HK$1,656/mo
Today · 4.125%
HK$55,681
baseline
▲ 0.50% · 4.625%
HK$59,069
+HK$3,388/mo
Deposit HK$7.66M · loan HK$11.49M · min. income ≈ HK$111,362/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$718,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,289
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$59,852
−HK$1,586/mo
Today · 4.125%
HK$61,438
baseline
▲ 0.50% · 4.625%
HK$64,676
+HK$3,238/mo
Deposit HK$7.66M · loan HK$11.49M · min. income ≈ HK$122,876/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$718,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,127
−HK$3,834/mo
▼ 0.25% · 3.875%
HK$63,029
−HK$1,932/mo
Today · 4.125%
HK$64,961
baseline
▲ 0.50% · 4.625%
HK$68,913
+HK$3,952/mo
Deposit HK$5.74M · loan HK$13.40M · min. income ≈ HK$129,922/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$718,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,004
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$69,827
−HK$1,851/mo
Today · 4.125%
HK$71,678
baseline
▲ 0.50% · 4.625%
HK$75,456
+HK$3,778/mo
Deposit HK$5.74M · loan HK$13.40M · min. income ≈ HK$143,356/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$718,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,592
−HK$4,929/mo
▼ 0.25% · 3.875%
HK$81,037
−HK$2,484/mo
Today · 4.125%
HK$83,521
baseline
▲ 0.50% · 4.625%
HK$88,603
+HK$5,082/mo
Deposit HK$1.91M · loan HK$17.23M · min. income ≈ HK$167,042/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$718,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,433
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$89,778
−HK$2,379/mo
Today · 4.125%
HK$92,157
baseline
▲ 0.50% · 4.625%
HK$97,015
+HK$4,858/mo
Deposit HK$1.91M · loan HK$17.23M · min. income ≈ HK$184,314/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$718,051 · Scale 2, in force from 26 Feb 2026)