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$43,138
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$44,480
−HK$1,364/mo
Today · 4.125%
HK$45,844
baseline
▲ 0.50% · 4.625%
HK$48,633
+HK$2,789/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$91,688/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,991
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$49,278
−HK$1,306/mo
Today · 4.125%
HK$50,584
baseline
▲ 0.50% · 4.625%
HK$53,250
+HK$2,666/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$101,168/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,766
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$53,376
−HK$1,636/mo
Today · 4.125%
HK$55,012
baseline
▲ 0.50% · 4.625%
HK$58,360
+HK$3,348/mo
Deposit HK$7.57M · loan HK$11.35M · min. income ≈ HK$110,024/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$709,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,589
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$59,134
−HK$1,567/mo
Today · 4.125%
HK$60,701
baseline
▲ 0.50% · 4.625%
HK$63,900
+HK$3,199/mo
Deposit HK$7.57M · loan HK$11.35M · min. income ≈ HK$121,402/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$709,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,394
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$62,272
−HK$1,909/mo
Today · 4.125%
HK$64,181
baseline
▲ 0.50% · 4.625%
HK$68,086
+HK$3,905/mo
Deposit HK$5.68M · loan HK$13.24M · min. income ≈ HK$128,362/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$709,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,187
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$68,989
−HK$1,828/mo
Today · 4.125%
HK$70,817
baseline
▲ 0.50% · 4.625%
HK$74,550
+HK$3,733/mo
Deposit HK$5.68M · loan HK$13.24M · min. income ≈ HK$141,634/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$709,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,649
−HK$4,869/mo
▼ 0.25% · 3.875%
HK$80,064
−HK$2,454/mo
Today · 4.125%
HK$82,518
baseline
▲ 0.50% · 4.625%
HK$87,539
+HK$5,021/mo
Deposit HK$1.89M · loan HK$17.03M · min. income ≈ HK$165,036/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,384
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$88,701
−HK$2,350/mo
Today · 4.125%
HK$91,051
baseline
▲ 0.50% · 4.625%
HK$95,850
+HK$4,799/mo
Deposit HK$1.89M · loan HK$17.03M · min. income ≈ HK$182,102/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,434 · Scale 2, in force from 26 Feb 2026)