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$44,112
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$45,484
−HK$1,394/mo
Today · 4.125%
HK$46,878
baseline
▲ 0.50% · 4.625%
HK$49,731
+HK$2,853/mo
Deposit HK$9.67M · loan HK$9.67M · min. income ≈ HK$93,756/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$725,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,074
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$50,390
−HK$1,335/mo
Today · 4.125%
HK$51,725
baseline
▲ 0.50% · 4.625%
HK$54,452
+HK$2,727/mo
Deposit HK$9.67M · loan HK$9.67M · min. income ≈ HK$103,450/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$725,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,934
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$54,581
−HK$1,673/mo
Today · 4.125%
HK$56,254
baseline
▲ 0.50% · 4.625%
HK$59,677
+HK$3,423/mo
Deposit HK$7.74M · loan HK$11.61M · min. income ≈ HK$112,508/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$725,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,889
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$60,468
−HK$1,603/mo
Today · 4.125%
HK$62,071
baseline
▲ 0.50% · 4.625%
HK$65,342
+HK$3,271/mo
Deposit HK$7.74M · loan HK$11.61M · min. income ≈ HK$124,142/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$725,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,757
−HK$3,872/mo
▼ 0.25% · 3.875%
HK$63,678
−HK$1,951/mo
Today · 4.125%
HK$65,629
baseline
▲ 0.50% · 4.625%
HK$69,623
+HK$3,994/mo
Deposit HK$5.80M · loan HK$13.54M · min. income ≈ HK$131,258/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,704
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$70,546
−HK$1,870/mo
Today · 4.125%
HK$72,416
baseline
▲ 0.50% · 4.625%
HK$76,233
+HK$3,817/mo
Deposit HK$5.80M · loan HK$13.54M · min. income ≈ HK$144,832/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,402
−HK$4,979/mo
▼ 0.25% · 3.875%
HK$81,871
−HK$2,510/mo
Today · 4.125%
HK$84,381
baseline
▲ 0.50% · 4.625%
HK$89,515
+HK$5,134/mo
Deposit HK$1.93M · loan HK$17.41M · min. income ≈ HK$168,762/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,333
−HK$4,773/mo
▼ 0.25% · 3.875%
HK$90,702
−HK$2,404/mo
Today · 4.125%
HK$93,106
baseline
▲ 0.50% · 4.625%
HK$98,014
+HK$4,908/mo
Deposit HK$1.93M · loan HK$17.41M · min. income ≈ HK$186,212/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,445 · Scale 2, in force from 26 Feb 2026)