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$43,674
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$45,032
−HK$1,381/mo
Today · 4.125%
HK$46,413
baseline
▲ 0.50% · 4.625%
HK$49,237
+HK$2,824/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$92,826/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$718,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,587
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$49,890
−HK$1,322/mo
Today · 4.125%
HK$51,212
baseline
▲ 0.50% · 4.625%
HK$53,911
+HK$2,699/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$102,424/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$718,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,409
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$54,039
−HK$1,656/mo
Today · 4.125%
HK$55,695
baseline
▲ 0.50% · 4.625%
HK$59,084
+HK$3,389/mo
Deposit HK$7.66M · loan HK$11.49M · min. income ≈ HK$111,390/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$718,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,304
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$59,868
−HK$1,586/mo
Today · 4.125%
HK$61,454
baseline
▲ 0.50% · 4.625%
HK$64,693
+HK$3,239/mo
Deposit HK$7.66M · loan HK$11.49M · min. income ≈ HK$122,908/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$718,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,143
−HK$3,835/mo
▼ 0.25% · 3.875%
HK$63,045
−HK$1,933/mo
Today · 4.125%
HK$64,978
baseline
▲ 0.50% · 4.625%
HK$68,931
+HK$3,953/mo
Deposit HK$5.75M · loan HK$13.41M · min. income ≈ HK$129,956/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$718,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,022
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$69,846
−HK$1,851/mo
Today · 4.125%
HK$71,697
baseline
▲ 0.50% · 4.625%
HK$75,476
+HK$3,779/mo
Deposit HK$5.75M · loan HK$13.41M · min. income ≈ HK$143,394/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$718,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,613
−HK$4,930/mo
▼ 0.25% · 3.875%
HK$81,058
−HK$2,485/mo
Today · 4.125%
HK$83,543
baseline
▲ 0.50% · 4.625%
HK$88,626
+HK$5,083/mo
Deposit HK$1.92M · loan HK$17.24M · min. income ≈ HK$167,086/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$718,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,456
−HK$4,725/mo
▼ 0.25% · 3.875%
HK$89,802
−HK$2,379/mo
Today · 4.125%
HK$92,181
baseline
▲ 0.50% · 4.625%
HK$97,040
+HK$4,859/mo
Deposit HK$1.92M · loan HK$17.24M · min. income ≈ HK$184,362/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$718,241 · Scale 2, in force from 26 Feb 2026)