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$44,196
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$45,571
−HK$1,397/mo
Today · 4.125%
HK$46,968
baseline
▲ 0.50% · 4.625%
HK$49,826
+HK$2,858/mo
Deposit HK$9.69M · loan HK$9.69M · min. income ≈ HK$93,936/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$726,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,168
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$50,486
−HK$1,338/mo
Today · 4.125%
HK$51,824
baseline
▲ 0.50% · 4.625%
HK$54,556
+HK$2,732/mo
Deposit HK$9.69M · loan HK$9.69M · min. income ≈ HK$103,648/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$726,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,035
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$54,685
−HK$1,676/mo
Today · 4.125%
HK$56,361
baseline
▲ 0.50% · 4.625%
HK$59,791
+HK$3,430/mo
Deposit HK$7.75M · loan HK$11.63M · min. income ≈ HK$112,722/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$726,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,001
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$60,584
−HK$1,605/mo
Today · 4.125%
HK$62,189
baseline
▲ 0.50% · 4.625%
HK$65,467
+HK$3,278/mo
Deposit HK$7.75M · loan HK$11.63M · min. income ≈ HK$124,378/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$726,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,875
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$63,799
−HK$1,956/mo
Today · 4.125%
HK$65,755
baseline
▲ 0.50% · 4.625%
HK$69,756
+HK$4,001/mo
Deposit HK$5.81M · loan HK$13.57M · min. income ≈ HK$131,510/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,835
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$70,681
−HK$1,873/mo
Today · 4.125%
HK$72,554
baseline
▲ 0.50% · 4.625%
HK$76,378
+HK$3,824/mo
Deposit HK$5.81M · loan HK$13.57M · min. income ≈ HK$145,108/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,553
−HK$4,989/mo
▼ 0.25% · 3.875%
HK$82,028
−HK$2,514/mo
Today · 4.125%
HK$84,542
baseline
▲ 0.50% · 4.625%
HK$89,686
+HK$5,144/mo
Deposit HK$1.94M · loan HK$17.44M · min. income ≈ HK$169,084/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$726,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,502
−HK$4,781/mo
▼ 0.25% · 3.875%
HK$90,876
−HK$2,407/mo
Today · 4.125%
HK$93,283
baseline
▲ 0.50% · 4.625%
HK$98,201
+HK$4,918/mo
Deposit HK$1.94M · loan HK$17.44M · min. income ≈ HK$186,566/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$726,829 · Scale 2, in force from 26 Feb 2026)