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$43,641
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$44,999
−HK$1,379/mo
Today · 4.125%
HK$46,378
baseline
▲ 0.50% · 4.625%
HK$49,200
+HK$2,822/mo
Deposit HK$9.57M · loan HK$9.57M · min. income ≈ HK$92,756/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$717,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,551
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$49,853
−HK$1,321/mo
Today · 4.125%
HK$51,174
baseline
▲ 0.50% · 4.625%
HK$53,871
+HK$2,697/mo
Deposit HK$9.57M · loan HK$9.57M · min. income ≈ HK$102,348/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$717,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,370
−HK$3,284/mo
▼ 0.25% · 3.875%
HK$53,999
−HK$1,655/mo
Today · 4.125%
HK$55,654
baseline
▲ 0.50% · 4.625%
HK$59,040
+HK$3,386/mo
Deposit HK$7.66M · loan HK$11.48M · min. income ≈ HK$111,308/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,261
−HK$3,147/mo
▼ 0.25% · 3.875%
HK$59,823
−HK$1,585/mo
Today · 4.125%
HK$61,408
baseline
▲ 0.50% · 4.625%
HK$64,645
+HK$3,237/mo
Deposit HK$7.66M · loan HK$11.48M · min. income ≈ HK$122,816/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,098
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$62,998
−HK$1,931/mo
Today · 4.125%
HK$64,929
baseline
▲ 0.50% · 4.625%
HK$68,880
+HK$3,951/mo
Deposit HK$5.74M · loan HK$13.40M · min. income ≈ HK$129,858/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,971
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$69,794
−HK$1,849/mo
Today · 4.125%
HK$71,643
baseline
▲ 0.50% · 4.625%
HK$75,419
+HK$3,776/mo
Deposit HK$5.74M · loan HK$13.40M · min. income ≈ HK$143,286/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,554
−HK$4,927/mo
▼ 0.25% · 3.875%
HK$80,998
−HK$2,483/mo
Today · 4.125%
HK$83,481
baseline
▲ 0.50% · 4.625%
HK$88,560
+HK$5,079/mo
Deposit HK$1.91M · loan HK$17.22M · min. income ≈ HK$166,962/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,391
−HK$4,722/mo
▼ 0.25% · 3.875%
HK$89,735
−HK$2,378/mo
Today · 4.125%
HK$92,113
baseline
▲ 0.50% · 4.625%
HK$96,968
+HK$4,855/mo
Deposit HK$1.91M · loan HK$17.22M · min. income ≈ HK$184,226/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,705 · Scale 2, in force from 26 Feb 2026)