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$44,095
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$45,467
−HK$1,394/mo
Today · 4.125%
HK$46,861
baseline
▲ 0.50% · 4.625%
HK$49,712
+HK$2,851/mo
Deposit HK$9.67M · loan HK$9.67M · min. income ≈ HK$93,722/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$725,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,056
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$50,371
−HK$1,335/mo
Today · 4.125%
HK$51,706
baseline
▲ 0.50% · 4.625%
HK$54,431
+HK$2,725/mo
Deposit HK$9.67M · loan HK$9.67M · min. income ≈ HK$103,412/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$725,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,914
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$54,560
−HK$1,673/mo
Today · 4.125%
HK$56,233
baseline
▲ 0.50% · 4.625%
HK$59,654
+HK$3,421/mo
Deposit HK$7.74M · loan HK$11.60M · min. income ≈ HK$112,466/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$725,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,867
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$60,446
−HK$1,601/mo
Today · 4.125%
HK$62,047
baseline
▲ 0.50% · 4.625%
HK$65,318
+HK$3,271/mo
Deposit HK$7.74M · loan HK$11.60M · min. income ≈ HK$124,094/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$725,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,734
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$63,654
−HK$1,951/mo
Today · 4.125%
HK$65,605
baseline
▲ 0.50% · 4.625%
HK$69,597
+HK$3,992/mo
Deposit HK$5.80M · loan HK$13.54M · min. income ≈ HK$131,210/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,678
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$70,520
−HK$1,868/mo
Today · 4.125%
HK$72,388
baseline
▲ 0.50% · 4.625%
HK$76,204
+HK$3,816/mo
Deposit HK$5.80M · loan HK$13.54M · min. income ≈ HK$144,776/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,372
−HK$4,977/mo
▼ 0.25% · 3.875%
HK$81,841
−HK$2,508/mo
Today · 4.125%
HK$84,349
baseline
▲ 0.50% · 4.625%
HK$89,481
+HK$5,132/mo
Deposit HK$1.93M · loan HK$17.40M · min. income ≈ HK$168,698/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,300
−HK$4,771/mo
▼ 0.25% · 3.875%
HK$90,668
−HK$2,403/mo
Today · 4.125%
HK$93,071
baseline
▲ 0.50% · 4.625%
HK$97,977
+HK$4,906/mo
Deposit HK$1.93M · loan HK$17.40M · min. income ≈ HK$186,142/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,172 · Scale 2, in force from 26 Feb 2026)