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$43,836
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$45,199
−HK$1,385/mo
Today · 4.125%
HK$46,584
baseline
▲ 0.50% · 4.625%
HK$49,419
+HK$2,835/mo
Deposit HK$9.61M · loan HK$9.61M · min. income ≈ HK$93,168/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$720,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,767
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$50,075
−HK$1,326/mo
Today · 4.125%
HK$51,401
baseline
▲ 0.50% · 4.625%
HK$54,111
+HK$2,710/mo
Deposit HK$9.61M · loan HK$9.61M · min. income ≈ HK$102,802/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$720,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,603
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$54,239
−HK$1,662/mo
Today · 4.125%
HK$55,901
baseline
▲ 0.50% · 4.625%
HK$59,303
+HK$3,402/mo
Deposit HK$7.69M · loan HK$11.53M · min. income ≈ HK$111,802/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$720,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,520
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$60,089
−HK$1,593/mo
Today · 4.125%
HK$61,682
baseline
▲ 0.50% · 4.625%
HK$64,933
+HK$3,251/mo
Deposit HK$7.69M · loan HK$11.53M · min. income ≈ HK$123,364/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$720,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,370
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$63,279
−HK$1,939/mo
Today · 4.125%
HK$65,218
baseline
▲ 0.50% · 4.625%
HK$69,187
+HK$3,969/mo
Deposit HK$5.77M · loan HK$13.46M · min. income ≈ HK$130,436/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$720,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,273
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$70,104
−HK$1,858/mo
Today · 4.125%
HK$71,962
baseline
▲ 0.50% · 4.625%
HK$75,755
+HK$3,793/mo
Deposit HK$5.77M · loan HK$13.46M · min. income ≈ HK$143,924/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$720,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,904
−HK$4,948/mo
▼ 0.25% · 3.875%
HK$81,358
−HK$2,494/mo
Today · 4.125%
HK$83,852
baseline
▲ 0.50% · 4.625%
HK$88,954
+HK$5,102/mo
Deposit HK$1.92M · loan HK$17.30M · min. income ≈ HK$167,704/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,780
−HK$4,742/mo
▼ 0.25% · 3.875%
HK$90,134
−HK$2,388/mo
Today · 4.125%
HK$92,522
baseline
▲ 0.50% · 4.625%
HK$97,399
+HK$4,877/mo
Deposit HK$1.92M · loan HK$17.30M · min. income ≈ HK$185,044/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,900 · Scale 2, in force from 26 Feb 2026)