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$43,002
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$44,340
−HK$1,359/mo
Today · 4.125%
HK$45,699
baseline
▲ 0.50% · 4.625%
HK$48,479
+HK$2,780/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$91,398/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$707,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,839
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$49,123
−HK$1,301/mo
Today · 4.125%
HK$50,424
baseline
▲ 0.50% · 4.625%
HK$53,082
+HK$2,658/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$100,848/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$707,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,603
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$53,208
−HK$1,631/mo
Today · 4.125%
HK$54,839
baseline
▲ 0.50% · 4.625%
HK$58,175
+HK$3,336/mo
Deposit HK$7.54M · loan HK$11.32M · min. income ≈ HK$109,678/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$707,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,407
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$58,947
−HK$1,562/mo
Today · 4.125%
HK$60,509
baseline
▲ 0.50% · 4.625%
HK$63,698
+HK$3,189/mo
Deposit HK$7.54M · loan HK$11.32M · min. income ≈ HK$121,018/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$707,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,203
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$62,076
−HK$1,902/mo
Today · 4.125%
HK$63,978
baseline
▲ 0.50% · 4.625%
HK$67,871
+HK$3,893/mo
Deposit HK$5.66M · loan HK$13.20M · min. income ≈ HK$127,956/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$707,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,975
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$68,772
−HK$1,822/mo
Today · 4.125%
HK$70,594
baseline
▲ 0.50% · 4.625%
HK$74,315
+HK$3,721/mo
Deposit HK$5.66M · loan HK$13.20M · min. income ≈ HK$141,188/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$707,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,404
−HK$4,854/mo
▼ 0.25% · 3.875%
HK$79,812
−HK$2,446/mo
Today · 4.125%
HK$82,258
baseline
▲ 0.50% · 4.625%
HK$87,263
+HK$5,005/mo
Deposit HK$1.89M · loan HK$16.97M · min. income ≈ HK$164,516/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$707,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,111
−HK$4,652/mo
▼ 0.25% · 3.875%
HK$88,421
−HK$2,342/mo
Today · 4.125%
HK$90,763
baseline
▲ 0.50% · 4.625%
HK$95,548
+HK$4,785/mo
Deposit HK$1.89M · loan HK$16.97M · min. income ≈ HK$181,526/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$707,194 · Scale 2, in force from 26 Feb 2026)