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$43,691
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$45,050
−HK$1,380/mo
Today · 4.125%
HK$46,430
baseline
▲ 0.50% · 4.625%
HK$49,256
+HK$2,826/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$92,860/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$718,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,605
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,909
−HK$1,322/mo
Today · 4.125%
HK$51,231
baseline
▲ 0.50% · 4.625%
HK$53,932
+HK$2,701/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$102,462/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$718,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,429
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$54,060
−HK$1,657/mo
Today · 4.125%
HK$55,717
baseline
▲ 0.50% · 4.625%
HK$59,107
+HK$3,390/mo
Deposit HK$7.66M · loan HK$11.50M · min. income ≈ HK$111,434/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$718,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,327
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$59,891
−HK$1,587/mo
Today · 4.125%
HK$61,478
baseline
▲ 0.50% · 4.625%
HK$64,718
+HK$3,240/mo
Deposit HK$7.66M · loan HK$11.50M · min. income ≈ HK$122,956/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$718,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,167
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$63,070
−HK$1,933/mo
Today · 4.125%
HK$65,003
baseline
▲ 0.50% · 4.625%
HK$68,958
+HK$3,955/mo
Deposit HK$5.75M · loan HK$13.41M · min. income ≈ HK$130,006/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$718,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,048
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$69,873
−HK$1,851/mo
Today · 4.125%
HK$71,724
baseline
▲ 0.50% · 4.625%
HK$75,505
+HK$3,781/mo
Deposit HK$5.75M · loan HK$13.41M · min. income ≈ HK$143,448/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$718,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,643
−HK$4,932/mo
▼ 0.25% · 3.875%
HK$81,089
−HK$2,486/mo
Today · 4.125%
HK$83,575
baseline
▲ 0.50% · 4.625%
HK$88,660
+HK$5,085/mo
Deposit HK$1.92M · loan HK$17.24M · min. income ≈ HK$167,150/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$718,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,490
−HK$4,727/mo
▼ 0.25% · 3.875%
HK$89,836
−HK$2,381/mo
Today · 4.125%
HK$92,217
baseline
▲ 0.50% · 4.625%
HK$97,077
+HK$4,860/mo
Deposit HK$1.92M · loan HK$17.24M · min. income ≈ HK$184,434/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$718,516 · Scale 2, in force from 26 Feb 2026)