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$42,325
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$43,641
−HK$1,338/mo
Today · 4.125%
HK$44,979
baseline
▲ 0.50% · 4.625%
HK$47,716
+HK$2,737/mo
Deposit HK$9.28M · loan HK$9.28M · min. income ≈ HK$89,958/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$696,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,086
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$48,349
−HK$1,281/mo
Today · 4.125%
HK$49,630
baseline
▲ 0.50% · 4.625%
HK$52,246
+HK$2,616/mo
Deposit HK$9.28M · loan HK$9.28M · min. income ≈ HK$99,260/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$696,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,790
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$52,370
−HK$1,605/mo
Today · 4.125%
HK$53,975
baseline
▲ 0.50% · 4.625%
HK$57,259
+HK$3,284/mo
Deposit HK$7.42M · loan HK$11.14M · min. income ≈ HK$107,950/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$696,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,503
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$58,018
−HK$1,538/mo
Today · 4.125%
HK$59,556
baseline
▲ 0.50% · 4.625%
HK$62,695
+HK$3,139/mo
Deposit HK$7.42M · loan HK$11.14M · min. income ≈ HK$119,112/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$696,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,255
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$61,098
−HK$1,872/mo
Today · 4.125%
HK$62,970
baseline
▲ 0.50% · 4.625%
HK$66,802
+HK$3,832/mo
Deposit HK$5.57M · loan HK$12.99M · min. income ≈ HK$125,940/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$696,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,920
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$67,688
−HK$1,794/mo
Today · 4.125%
HK$69,482
baseline
▲ 0.50% · 4.625%
HK$73,144
+HK$3,662/mo
Deposit HK$5.57M · loan HK$12.99M · min. income ≈ HK$138,964/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$696,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,185
−HK$4,777/mo
▼ 0.25% · 3.875%
HK$78,554
−HK$2,408/mo
Today · 4.125%
HK$80,962
baseline
▲ 0.50% · 4.625%
HK$85,888
+HK$4,926/mo
Deposit HK$1.86M · loan HK$16.71M · min. income ≈ HK$161,924/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$696,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,755
−HK$4,579/mo
▼ 0.25% · 3.875%
HK$87,028
−HK$2,306/mo
Today · 4.125%
HK$89,334
baseline
▲ 0.50% · 4.625%
HK$94,042
+HK$4,708/mo
Deposit HK$1.86M · loan HK$16.71M · min. income ≈ HK$178,668/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$696,053 · Scale 2, in force from 26 Feb 2026)