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$43,785
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$45,147
−HK$1,384/mo
Today · 4.125%
HK$46,531
baseline
▲ 0.50% · 4.625%
HK$49,363
+HK$2,832/mo
Deposit HK$9.60M · loan HK$9.60M · min. income ≈ HK$93,062/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$720,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,711
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$50,017
−HK$1,326/mo
Today · 4.125%
HK$51,343
baseline
▲ 0.50% · 4.625%
HK$54,049
+HK$2,706/mo
Deposit HK$9.60M · loan HK$9.60M · min. income ≈ HK$102,686/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$720,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,543
−HK$3,294/mo
▼ 0.25% · 3.875%
HK$54,177
−HK$1,660/mo
Today · 4.125%
HK$55,837
baseline
▲ 0.50% · 4.625%
HK$59,235
+HK$3,398/mo
Deposit HK$7.68M · loan HK$11.52M · min. income ≈ HK$111,674/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$720,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,453
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$60,021
−HK$1,590/mo
Today · 4.125%
HK$61,611
baseline
▲ 0.50% · 4.625%
HK$64,859
+HK$3,248/mo
Deposit HK$7.68M · loan HK$11.52M · min. income ≈ HK$123,222/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$720,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,300
−HK$3,844/mo
▼ 0.25% · 3.875%
HK$63,206
−HK$1,938/mo
Today · 4.125%
HK$65,144
baseline
▲ 0.50% · 4.625%
HK$69,108
+HK$3,964/mo
Deposit HK$5.76M · loan HK$13.44M · min. income ≈ HK$130,288/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$720,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,195
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$70,024
−HK$1,856/mo
Today · 4.125%
HK$71,880
baseline
▲ 0.50% · 4.625%
HK$75,669
+HK$3,789/mo
Deposit HK$5.76M · loan HK$13.44M · min. income ≈ HK$143,760/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$720,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,814
−HK$4,942/mo
▼ 0.25% · 3.875%
HK$81,265
−HK$2,491/mo
Today · 4.125%
HK$83,756
baseline
▲ 0.50% · 4.625%
HK$88,853
+HK$5,097/mo
Deposit HK$1.92M · loan HK$17.28M · min. income ≈ HK$167,512/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,680
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$90,031
−HK$2,386/mo
Today · 4.125%
HK$92,417
baseline
▲ 0.50% · 4.625%
HK$97,288
+HK$4,871/mo
Deposit HK$1.92M · loan HK$17.28M · min. income ≈ HK$184,834/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,076 · Scale 2, in force from 26 Feb 2026)