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$43,924
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$45,290
−HK$1,389/mo
Today · 4.125%
HK$46,679
baseline
▲ 0.50% · 4.625%
HK$49,519
+HK$2,840/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$93,358/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$722,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,865
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$50,176
−HK$1,329/mo
Today · 4.125%
HK$51,505
baseline
▲ 0.50% · 4.625%
HK$54,220
+HK$2,715/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$103,010/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$722,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,709
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$54,349
−HK$1,665/mo
Today · 4.125%
HK$56,014
baseline
▲ 0.50% · 4.625%
HK$59,423
+HK$3,409/mo
Deposit HK$7.71M · loan HK$11.56M · min. income ≈ HK$112,028/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,638
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$60,211
−HK$1,595/mo
Today · 4.125%
HK$61,806
baseline
▲ 0.50% · 4.625%
HK$65,064
+HK$3,258/mo
Deposit HK$7.71M · loan HK$11.56M · min. income ≈ HK$123,612/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,494
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$63,407
−HK$1,943/mo
Today · 4.125%
HK$65,350
baseline
▲ 0.50% · 4.625%
HK$69,326
+HK$3,976/mo
Deposit HK$5.78M · loan HK$13.48M · min. income ≈ HK$130,700/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,411
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$70,246
−HK$1,861/mo
Today · 4.125%
HK$72,107
baseline
▲ 0.50% · 4.625%
HK$75,908
+HK$3,801/mo
Deposit HK$5.78M · loan HK$13.48M · min. income ≈ HK$144,214/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,063
−HK$4,958/mo
▼ 0.25% · 3.875%
HK$81,523
−HK$2,498/mo
Today · 4.125%
HK$84,021
baseline
▲ 0.50% · 4.625%
HK$89,134
+HK$5,113/mo
Deposit HK$1.93M · loan HK$17.34M · min. income ≈ HK$168,042/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,957
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$90,316
−HK$2,393/mo
Today · 4.125%
HK$92,709
baseline
▲ 0.50% · 4.625%
HK$97,596
+HK$4,887/mo
Deposit HK$1.93M · loan HK$17.34M · min. income ≈ HK$185,418/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,356 · Scale 2, in force from 26 Feb 2026)