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$43,753
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$45,114
−HK$1,383/mo
Today · 4.125%
HK$46,497
baseline
▲ 0.50% · 4.625%
HK$49,326
+HK$2,829/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$92,994/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$719,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,675
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$49,980
−HK$1,324/mo
Today · 4.125%
HK$51,304
baseline
▲ 0.50% · 4.625%
HK$54,009
+HK$2,705/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$102,608/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$719,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,503
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$54,137
−HK$1,659/mo
Today · 4.125%
HK$55,796
baseline
▲ 0.50% · 4.625%
HK$59,191
+HK$3,395/mo
Deposit HK$7.68M · loan HK$11.51M · min. income ≈ HK$111,592/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$719,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,410
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$59,976
−HK$1,589/mo
Today · 4.125%
HK$61,565
baseline
▲ 0.50% · 4.625%
HK$64,810
+HK$3,245/mo
Deposit HK$7.68M · loan HK$11.51M · min. income ≈ HK$123,130/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$719,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,254
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$63,159
−HK$1,936/mo
Today · 4.125%
HK$65,095
baseline
▲ 0.50% · 4.625%
HK$69,056
+HK$3,961/mo
Deposit HK$5.76M · loan HK$13.43M · min. income ≈ HK$130,190/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$719,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,144
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$69,972
−HK$1,854/mo
Today · 4.125%
HK$71,826
baseline
▲ 0.50% · 4.625%
HK$75,612
+HK$3,786/mo
Deposit HK$5.76M · loan HK$13.43M · min. income ≈ HK$143,652/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$719,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,755
−HK$4,939/mo
▼ 0.25% · 3.875%
HK$81,205
−HK$2,489/mo
Today · 4.125%
HK$83,694
baseline
▲ 0.50% · 4.625%
HK$88,786
+HK$5,092/mo
Deposit HK$1.92M · loan HK$17.27M · min. income ≈ HK$167,388/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,614
−HK$4,734/mo
▼ 0.25% · 3.875%
HK$89,964
−HK$2,384/mo
Today · 4.125%
HK$92,348
baseline
▲ 0.50% · 4.625%
HK$97,216
+HK$4,868/mo
Deposit HK$1.92M · loan HK$17.27M · min. income ≈ HK$184,696/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,539 · Scale 2, in force from 26 Feb 2026)