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$43,720
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$45,080
−HK$1,381/mo
Today · 4.125%
HK$46,461
baseline
▲ 0.50% · 4.625%
HK$49,289
+HK$2,828/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$92,922/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$718,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,638
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$49,942
−HK$1,324/mo
Today · 4.125%
HK$51,266
baseline
▲ 0.50% · 4.625%
HK$53,968
+HK$2,702/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$102,532/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$718,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,464
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$54,096
−HK$1,658/mo
Today · 4.125%
HK$55,754
baseline
▲ 0.50% · 4.625%
HK$59,146
+HK$3,392/mo
Deposit HK$7.67M · loan HK$11.50M · min. income ≈ HK$111,508/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$718,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,365
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$59,931
−HK$1,588/mo
Today · 4.125%
HK$61,519
baseline
▲ 0.50% · 4.625%
HK$64,762
+HK$3,243/mo
Deposit HK$7.67M · loan HK$11.50M · min. income ≈ HK$123,038/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$718,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,208
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$63,112
−HK$1,934/mo
Today · 4.125%
HK$65,046
baseline
▲ 0.50% · 4.625%
HK$69,004
+HK$3,958/mo
Deposit HK$5.75M · loan HK$13.42M · min. income ≈ HK$130,092/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$718,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,093
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$69,919
−HK$1,853/mo
Today · 4.125%
HK$71,772
baseline
▲ 0.50% · 4.625%
HK$75,555
+HK$3,783/mo
Deposit HK$5.75M · loan HK$13.42M · min. income ≈ HK$143,544/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$718,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,696
−HK$4,935/mo
▼ 0.25% · 3.875%
HK$81,144
−HK$2,487/mo
Today · 4.125%
HK$83,631
baseline
▲ 0.50% · 4.625%
HK$88,719
+HK$5,088/mo
Deposit HK$1.92M · loan HK$17.26M · min. income ≈ HK$167,262/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$718,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,548
−HK$4,730/mo
▼ 0.25% · 3.875%
HK$89,896
−HK$2,382/mo
Today · 4.125%
HK$92,278
baseline
▲ 0.50% · 4.625%
HK$97,142
+HK$4,864/mo
Deposit HK$1.92M · loan HK$17.26M · min. income ≈ HK$184,556/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$718,996 · Scale 2, in force from 26 Feb 2026)