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$43,857
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$45,221
−HK$1,386/mo
Today · 4.125%
HK$46,607
baseline
▲ 0.50% · 4.625%
HK$49,443
+HK$2,836/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$93,214/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,790
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$50,099
−HK$1,327/mo
Today · 4.125%
HK$51,426
baseline
▲ 0.50% · 4.625%
HK$54,137
+HK$2,711/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$102,852/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,628
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$54,265
−HK$1,663/mo
Today · 4.125%
HK$55,928
baseline
▲ 0.50% · 4.625%
HK$59,331
+HK$3,403/mo
Deposit HK$7.69M · loan HK$11.54M · min. income ≈ HK$111,856/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$721,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,548
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$60,118
−HK$1,593/mo
Today · 4.125%
HK$61,711
baseline
▲ 0.50% · 4.625%
HK$64,964
+HK$3,253/mo
Deposit HK$7.69M · loan HK$11.54M · min. income ≈ HK$123,422/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$721,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,399
−HK$3,851/mo
▼ 0.25% · 3.875%
HK$63,309
−HK$1,941/mo
Today · 4.125%
HK$65,250
baseline
▲ 0.50% · 4.625%
HK$69,220
+HK$3,970/mo
Deposit HK$5.77M · loan HK$13.46M · min. income ≈ HK$130,500/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$721,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,306
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$70,138
−HK$1,859/mo
Today · 4.125%
HK$71,997
baseline
▲ 0.50% · 4.625%
HK$75,792
+HK$3,795/mo
Deposit HK$5.77M · loan HK$13.46M · min. income ≈ HK$143,994/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$721,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,942
−HK$4,951/mo
▼ 0.25% · 3.875%
HK$81,398
−HK$2,495/mo
Today · 4.125%
HK$83,893
baseline
▲ 0.50% · 4.625%
HK$88,997
+HK$5,104/mo
Deposit HK$1.92M · loan HK$17.31M · min. income ≈ HK$167,786/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$721,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,822
−HK$4,745/mo
▼ 0.25% · 3.875%
HK$90,178
−HK$2,389/mo
Today · 4.125%
HK$92,567
baseline
▲ 0.50% · 4.625%
HK$97,446
+HK$4,879/mo
Deposit HK$1.92M · loan HK$17.31M · min. income ≈ HK$185,134/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$721,247 · Scale 2, in force from 26 Feb 2026)