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$44,027
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$45,396
−HK$1,391/mo
Today · 4.125%
HK$46,787
baseline
▲ 0.50% · 4.625%
HK$49,634
+HK$2,847/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$93,574/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$724,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,979
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$50,293
−HK$1,332/mo
Today · 4.125%
HK$51,625
baseline
▲ 0.50% · 4.625%
HK$54,347
+HK$2,722/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$103,250/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$724,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,832
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$54,475
−HK$1,670/mo
Today · 4.125%
HK$56,145
baseline
▲ 0.50% · 4.625%
HK$59,561
+HK$3,416/mo
Deposit HK$7.72M · loan HK$11.58M · min. income ≈ HK$112,290/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,775
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$60,351
−HK$1,599/mo
Today · 4.125%
HK$61,950
baseline
▲ 0.50% · 4.625%
HK$65,216
+HK$3,266/mo
Deposit HK$7.72M · loan HK$11.58M · min. income ≈ HK$123,900/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,637
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$63,554
−HK$1,948/mo
Today · 4.125%
HK$65,502
baseline
▲ 0.50% · 4.625%
HK$69,488
+HK$3,986/mo
Deposit HK$5.79M · loan HK$13.52M · min. income ≈ HK$131,004/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,571
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$70,410
−HK$1,865/mo
Today · 4.125%
HK$72,275
baseline
▲ 0.50% · 4.625%
HK$76,085
+HK$3,810/mo
Deposit HK$5.79M · loan HK$13.52M · min. income ≈ HK$144,550/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,248
−HK$4,969/mo
▼ 0.25% · 3.875%
HK$81,713
−HK$2,504/mo
Today · 4.125%
HK$84,217
baseline
▲ 0.50% · 4.625%
HK$89,342
+HK$5,125/mo
Deposit HK$1.93M · loan HK$17.38M · min. income ≈ HK$168,434/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$724,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,162
−HK$4,764/mo
▼ 0.25% · 3.875%
HK$90,527
−HK$2,399/mo
Today · 4.125%
HK$92,926
baseline
▲ 0.50% · 4.625%
HK$97,824
+HK$4,898/mo
Deposit HK$1.93M · loan HK$17.38M · min. income ≈ HK$185,852/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$724,041 · Scale 2, in force from 26 Feb 2026)