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$44,050
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$45,420
−HK$1,392/mo
Today · 4.125%
HK$46,812
baseline
▲ 0.50% · 4.625%
HK$49,661
+HK$2,849/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$93,624/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$724,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,005
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$50,319
−HK$1,334/mo
Today · 4.125%
HK$51,653
baseline
▲ 0.50% · 4.625%
HK$54,375
+HK$2,722/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$103,306/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$724,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,860
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$54,504
−HK$1,671/mo
Today · 4.125%
HK$56,175
baseline
▲ 0.50% · 4.625%
HK$59,593
+HK$3,418/mo
Deposit HK$7.73M · loan HK$11.59M · min. income ≈ HK$112,350/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,806
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$60,383
−HK$1,600/mo
Today · 4.125%
HK$61,983
baseline
▲ 0.50% · 4.625%
HK$65,250
+HK$3,267/mo
Deposit HK$7.73M · loan HK$11.59M · min. income ≈ HK$123,966/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,670
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$63,588
−HK$1,949/mo
Today · 4.125%
HK$65,537
baseline
▲ 0.50% · 4.625%
HK$69,525
+HK$3,988/mo
Deposit HK$5.80M · loan HK$13.52M · min. income ≈ HK$131,074/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,607
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$70,447
−HK$1,867/mo
Today · 4.125%
HK$72,314
baseline
▲ 0.50% · 4.625%
HK$76,125
+HK$3,811/mo
Deposit HK$5.80M · loan HK$13.52M · min. income ≈ HK$144,628/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,290
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$81,756
−HK$2,506/mo
Today · 4.125%
HK$84,262
baseline
▲ 0.50% · 4.625%
HK$89,389
+HK$5,127/mo
Deposit HK$1.93M · loan HK$17.39M · min. income ≈ HK$168,524/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,209
−HK$4,766/mo
▼ 0.25% · 3.875%
HK$90,575
−HK$2,400/mo
Today · 4.125%
HK$92,975
baseline
▲ 0.50% · 4.625%
HK$97,876
+HK$4,901/mo
Deposit HK$1.93M · loan HK$17.39M · min. income ≈ HK$185,950/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,424 · Scale 2, in force from 26 Feb 2026)