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$44,090
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$45,461
−HK$1,394/mo
Today · 4.125%
HK$46,855
baseline
▲ 0.50% · 4.625%
HK$49,706
+HK$2,851/mo
Deposit HK$9.67M · loan HK$9.67M · min. income ≈ HK$93,710/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$725,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,050
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$50,365
−HK$1,335/mo
Today · 4.125%
HK$51,700
baseline
▲ 0.50% · 4.625%
HK$54,425
+HK$2,725/mo
Deposit HK$9.67M · loan HK$9.67M · min. income ≈ HK$103,400/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$725,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,908
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$54,554
−HK$1,672/mo
Today · 4.125%
HK$56,226
baseline
▲ 0.50% · 4.625%
HK$59,647
+HK$3,421/mo
Deposit HK$7.73M · loan HK$11.60M · min. income ≈ HK$112,452/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$725,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,860
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$60,438
−HK$1,602/mo
Today · 4.125%
HK$62,040
baseline
▲ 0.50% · 4.625%
HK$65,310
+HK$3,270/mo
Deposit HK$7.73M · loan HK$11.60M · min. income ≈ HK$124,080/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$725,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,726
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$63,646
−HK$1,951/mo
Today · 4.125%
HK$65,597
baseline
▲ 0.50% · 4.625%
HK$69,588
+HK$3,991/mo
Deposit HK$5.80M · loan HK$13.53M · min. income ≈ HK$131,194/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,669
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$70,511
−HK$1,868/mo
Today · 4.125%
HK$72,379
baseline
▲ 0.50% · 4.625%
HK$76,195
+HK$3,816/mo
Deposit HK$5.80M · loan HK$13.53M · min. income ≈ HK$144,758/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,362
−HK$4,977/mo
▼ 0.25% · 3.875%
HK$81,830
−HK$2,509/mo
Today · 4.125%
HK$84,339
baseline
▲ 0.50% · 4.625%
HK$89,470
+HK$5,131/mo
Deposit HK$1.93M · loan HK$17.40M · min. income ≈ HK$168,678/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,289
−HK$4,770/mo
▼ 0.25% · 3.875%
HK$90,657
−HK$2,402/mo
Today · 4.125%
HK$93,059
baseline
▲ 0.50% · 4.625%
HK$97,965
+HK$4,906/mo
Deposit HK$1.93M · loan HK$17.40M · min. income ≈ HK$186,118/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,082 · Scale 2, in force from 26 Feb 2026)