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$43,154
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$44,496
−HK$1,364/mo
Today · 4.125%
HK$45,860
baseline
▲ 0.50% · 4.625%
HK$48,650
+HK$2,790/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$91,720/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,008
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$49,295
−HK$1,307/mo
Today · 4.125%
HK$50,602
baseline
▲ 0.50% · 4.625%
HK$53,269
+HK$2,667/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$101,204/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,784
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$53,395
−HK$1,637/mo
Today · 4.125%
HK$55,032
baseline
▲ 0.50% · 4.625%
HK$58,380
+HK$3,348/mo
Deposit HK$7.57M · loan HK$11.35M · min. income ≈ HK$110,064/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$709,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,609
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$59,154
−HK$1,568/mo
Today · 4.125%
HK$60,722
baseline
▲ 0.50% · 4.625%
HK$63,923
+HK$3,201/mo
Deposit HK$7.57M · loan HK$11.35M · min. income ≈ HK$121,444/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$709,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,415
−HK$3,788/mo
▼ 0.25% · 3.875%
HK$62,294
−HK$1,909/mo
Today · 4.125%
HK$64,203
baseline
▲ 0.50% · 4.625%
HK$68,110
+HK$3,907/mo
Deposit HK$5.68M · loan HK$13.25M · min. income ≈ HK$128,406/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$709,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,211
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$69,014
−HK$1,828/mo
Today · 4.125%
HK$70,842
baseline
▲ 0.50% · 4.625%
HK$74,576
+HK$3,734/mo
Deposit HK$5.68M · loan HK$13.25M · min. income ≈ HK$141,684/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$709,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,676
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$80,092
−HK$2,455/mo
Today · 4.125%
HK$82,547
baseline
▲ 0.50% · 4.625%
HK$87,570
+HK$5,023/mo
Deposit HK$1.89M · loan HK$17.03M · min. income ≈ HK$165,094/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,414
−HK$4,669/mo
▼ 0.25% · 3.875%
HK$88,732
−HK$2,351/mo
Today · 4.125%
HK$91,083
baseline
▲ 0.50% · 4.625%
HK$95,884
+HK$4,801/mo
Deposit HK$1.89M · loan HK$17.03M · min. income ≈ HK$182,166/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,682 · Scale 2, in force from 26 Feb 2026)