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$43,089
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$44,429
−HK$1,362/mo
Today · 4.125%
HK$45,791
baseline
▲ 0.50% · 4.625%
HK$48,577
+HK$2,786/mo
Deposit HK$9.45M · loan HK$9.45M · min. income ≈ HK$91,582/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$708,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,936
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$49,221
−HK$1,305/mo
Today · 4.125%
HK$50,526
baseline
▲ 0.50% · 4.625%
HK$53,189
+HK$2,663/mo
Deposit HK$9.45M · loan HK$9.45M · min. income ≈ HK$101,052/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$708,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,706
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$53,315
−HK$1,634/mo
Today · 4.125%
HK$54,949
baseline
▲ 0.50% · 4.625%
HK$58,292
+HK$3,343/mo
Deposit HK$7.56M · loan HK$11.34M · min. income ≈ HK$109,898/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$708,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,523
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$59,066
−HK$1,565/mo
Today · 4.125%
HK$60,631
baseline
▲ 0.50% · 4.625%
HK$63,827
+HK$3,196/mo
Deposit HK$7.56M · loan HK$11.34M · min. income ≈ HK$121,262/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$708,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,324
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$62,201
−HK$1,906/mo
Today · 4.125%
HK$64,107
baseline
▲ 0.50% · 4.625%
HK$68,008
+HK$3,901/mo
Deposit HK$5.67M · loan HK$13.23M · min. income ≈ HK$128,214/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$708,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,110
−HK$3,626/mo
▼ 0.25% · 3.875%
HK$68,910
−HK$1,826/mo
Today · 4.125%
HK$70,736
baseline
▲ 0.50% · 4.625%
HK$74,464
+HK$3,728/mo
Deposit HK$5.67M · loan HK$13.23M · min. income ≈ HK$141,472/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$708,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,560
−HK$4,863/mo
▼ 0.25% · 3.875%
HK$79,972
−HK$2,451/mo
Today · 4.125%
HK$82,423
baseline
▲ 0.50% · 4.625%
HK$87,439
+HK$5,016/mo
Deposit HK$1.89M · loan HK$17.01M · min. income ≈ HK$164,846/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,284
−HK$4,662/mo
▼ 0.25% · 3.875%
HK$88,598
−HK$2,348/mo
Today · 4.125%
HK$90,946
baseline
▲ 0.50% · 4.625%
HK$95,740
+HK$4,794/mo
Deposit HK$1.89M · loan HK$17.01M · min. income ≈ HK$181,892/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,617 · Scale 2, in force from 26 Feb 2026)