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$43,912
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$45,278
−HK$1,387/mo
Today · 4.125%
HK$46,665
baseline
▲ 0.50% · 4.625%
HK$49,505
+HK$2,840/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$93,330/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$722,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,851
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$50,161
−HK$1,330/mo
Today · 4.125%
HK$51,491
baseline
▲ 0.50% · 4.625%
HK$54,205
+HK$2,714/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$102,982/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$722,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,694
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$54,333
−HK$1,665/mo
Today · 4.125%
HK$55,998
baseline
▲ 0.50% · 4.625%
HK$59,406
+HK$3,408/mo
Deposit HK$7.70M · loan HK$11.55M · min. income ≈ HK$111,996/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,622
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$60,194
−HK$1,595/mo
Today · 4.125%
HK$61,789
baseline
▲ 0.50% · 4.625%
HK$65,046
+HK$3,257/mo
Deposit HK$7.70M · loan HK$11.55M · min. income ≈ HK$123,578/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,476
−HK$3,855/mo
▼ 0.25% · 3.875%
HK$63,389
−HK$1,942/mo
Today · 4.125%
HK$65,331
baseline
▲ 0.50% · 4.625%
HK$69,307
+HK$3,976/mo
Deposit HK$5.78M · loan HK$13.48M · min. income ≈ HK$130,662/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,392
−HK$3,695/mo
▼ 0.25% · 3.875%
HK$70,226
−HK$1,861/mo
Today · 4.125%
HK$72,087
baseline
▲ 0.50% · 4.625%
HK$75,887
+HK$3,800/mo
Deposit HK$5.78M · loan HK$13.48M · min. income ≈ HK$144,174/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,041
−HK$4,957/mo
▼ 0.25% · 3.875%
HK$81,500
−HK$2,498/mo
Today · 4.125%
HK$83,998
baseline
▲ 0.50% · 4.625%
HK$89,109
+HK$5,111/mo
Deposit HK$1.93M · loan HK$17.33M · min. income ≈ HK$167,996/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,932
−HK$4,751/mo
▼ 0.25% · 3.875%
HK$90,291
−HK$2,392/mo
Today · 4.125%
HK$92,683
baseline
▲ 0.50% · 4.625%
HK$97,568
+HK$4,885/mo
Deposit HK$1.93M · loan HK$17.33M · min. income ≈ HK$185,366/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,150 · Scale 2, in force from 26 Feb 2026)