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$43,144
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$44,486
−HK$1,363/mo
Today · 4.125%
HK$45,849
baseline
▲ 0.50% · 4.625%
HK$48,639
+HK$2,790/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$91,698/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,997
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$49,284
−HK$1,306/mo
Today · 4.125%
HK$50,590
baseline
▲ 0.50% · 4.625%
HK$53,257
+HK$2,667/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$101,180/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,772
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$53,383
−HK$1,636/mo
Today · 4.125%
HK$55,019
baseline
▲ 0.50% · 4.625%
HK$58,367
+HK$3,348/mo
Deposit HK$7.57M · loan HK$11.35M · min. income ≈ HK$110,038/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$709,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,596
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$59,141
−HK$1,567/mo
Today · 4.125%
HK$60,708
baseline
▲ 0.50% · 4.625%
HK$63,908
+HK$3,200/mo
Deposit HK$7.57M · loan HK$11.35M · min. income ≈ HK$121,416/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$709,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,401
−HK$3,788/mo
▼ 0.25% · 3.875%
HK$62,280
−HK$1,909/mo
Today · 4.125%
HK$64,189
baseline
▲ 0.50% · 4.625%
HK$68,094
+HK$3,905/mo
Deposit HK$5.68M · loan HK$13.24M · min. income ≈ HK$128,378/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$709,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,195
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$68,998
−HK$1,828/mo
Today · 4.125%
HK$70,826
baseline
▲ 0.50% · 4.625%
HK$74,559
+HK$3,733/mo
Deposit HK$5.68M · loan HK$13.24M · min. income ≈ HK$141,652/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$709,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,658
−HK$4,870/mo
▼ 0.25% · 3.875%
HK$80,074
−HK$2,454/mo
Today · 4.125%
HK$82,528
baseline
▲ 0.50% · 4.625%
HK$87,550
+HK$5,022/mo
Deposit HK$1.89M · loan HK$17.03M · min. income ≈ HK$165,056/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,394
−HK$4,668/mo
▼ 0.25% · 3.875%
HK$88,711
−HK$2,351/mo
Today · 4.125%
HK$91,062
baseline
▲ 0.50% · 4.625%
HK$95,862
+HK$4,800/mo
Deposit HK$1.89M · loan HK$17.03M · min. income ≈ HK$182,124/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,518 · Scale 2, in force from 26 Feb 2026)