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$44,189
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$45,564
−HK$1,396/mo
Today · 4.125%
HK$46,960
baseline
▲ 0.50% · 4.625%
HK$49,818
+HK$2,858/mo
Deposit HK$9.69M · loan HK$9.69M · min. income ≈ HK$93,920/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$726,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,160
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$50,478
−HK$1,338/mo
Today · 4.125%
HK$51,816
baseline
▲ 0.50% · 4.625%
HK$54,547
+HK$2,731/mo
Deposit HK$9.69M · loan HK$9.69M · min. income ≈ HK$103,632/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$726,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,027
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$54,676
−HK$1,676/mo
Today · 4.125%
HK$56,352
baseline
▲ 0.50% · 4.625%
HK$59,781
+HK$3,429/mo
Deposit HK$7.75M · loan HK$11.63M · min. income ≈ HK$112,704/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$726,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,992
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$60,574
−HK$1,605/mo
Today · 4.125%
HK$62,179
baseline
▲ 0.50% · 4.625%
HK$65,457
+HK$3,278/mo
Deposit HK$7.75M · loan HK$11.63M · min. income ≈ HK$124,358/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$726,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,865
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$63,789
−HK$1,955/mo
Today · 4.125%
HK$65,744
baseline
▲ 0.50% · 4.625%
HK$69,745
+HK$4,001/mo
Deposit HK$5.81M · loan HK$13.57M · min. income ≈ HK$131,488/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,824
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$70,670
−HK$1,872/mo
Today · 4.125%
HK$72,542
baseline
▲ 0.50% · 4.625%
HK$76,366
+HK$3,824/mo
Deposit HK$5.81M · loan HK$13.57M · min. income ≈ HK$145,084/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,540
−HK$4,988/mo
▼ 0.25% · 3.875%
HK$82,015
−HK$2,513/mo
Today · 4.125%
HK$84,528
baseline
▲ 0.50% · 4.625%
HK$89,672
+HK$5,144/mo
Deposit HK$1.94M · loan HK$17.44M · min. income ≈ HK$169,056/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,488
−HK$4,781/mo
▼ 0.25% · 3.875%
HK$90,861
−HK$2,408/mo
Today · 4.125%
HK$93,269
baseline
▲ 0.50% · 4.625%
HK$98,185
+HK$4,916/mo
Deposit HK$1.94M · loan HK$17.44M · min. income ≈ HK$186,538/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,713 · Scale 2, in force from 26 Feb 2026)