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$44,260
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$45,637
−HK$1,398/mo
Today · 4.125%
HK$47,035
baseline
▲ 0.50% · 4.625%
HK$49,897
+HK$2,862/mo
Deposit HK$9.71M · loan HK$9.71M · min. income ≈ HK$94,070/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$727,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,239
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$50,559
−HK$1,340/mo
Today · 4.125%
HK$51,899
baseline
▲ 0.50% · 4.625%
HK$54,635
+HK$2,736/mo
Deposit HK$9.71M · loan HK$9.71M · min. income ≈ HK$103,798/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$727,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,112
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$54,764
−HK$1,678/mo
Today · 4.125%
HK$56,442
baseline
▲ 0.50% · 4.625%
HK$59,877
+HK$3,435/mo
Deposit HK$7.76M · loan HK$11.65M · min. income ≈ HK$112,884/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$727,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,086
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$60,671
−HK$1,608/mo
Today · 4.125%
HK$62,279
baseline
▲ 0.50% · 4.625%
HK$65,562
+HK$3,283/mo
Deposit HK$7.76M · loan HK$11.65M · min. income ≈ HK$124,558/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$727,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,964
−HK$3,886/mo
▼ 0.25% · 3.875%
HK$63,891
−HK$1,959/mo
Today · 4.125%
HK$65,850
baseline
▲ 0.50% · 4.625%
HK$69,856
+HK$4,006/mo
Deposit HK$5.82M · loan HK$13.59M · min. income ≈ HK$131,700/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$727,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,934
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$70,783
−HK$1,876/mo
Today · 4.125%
HK$72,659
baseline
▲ 0.50% · 4.625%
HK$76,488
+HK$3,829/mo
Deposit HK$5.82M · loan HK$13.59M · min. income ≈ HK$145,318/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$727,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,668
−HK$4,996/mo
▼ 0.25% · 3.875%
HK$82,146
−HK$2,518/mo
Today · 4.125%
HK$84,664
baseline
▲ 0.50% · 4.625%
HK$89,815
+HK$5,151/mo
Deposit HK$1.94M · loan HK$17.47M · min. income ≈ HK$169,328/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,630
−HK$4,788/mo
▼ 0.25% · 3.875%
HK$91,007
−HK$2,411/mo
Today · 4.125%
HK$93,418
baseline
▲ 0.50% · 4.625%
HK$98,342
+HK$4,924/mo
Deposit HK$1.94M · loan HK$17.47M · min. income ≈ HK$186,836/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$727,878 · Scale 2, in force from 26 Feb 2026)