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$43,165
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$44,507
−HK$1,365/mo
Today · 4.125%
HK$45,872
baseline
▲ 0.50% · 4.625%
HK$48,663
+HK$2,791/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$91,744/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,020
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$49,308
−HK$1,307/mo
Today · 4.125%
HK$50,615
baseline
▲ 0.50% · 4.625%
HK$53,283
+HK$2,668/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$101,230/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,798
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$53,409
−HK$1,637/mo
Today · 4.125%
HK$55,046
baseline
▲ 0.50% · 4.625%
HK$58,395
+HK$3,349/mo
Deposit HK$7.57M · loan HK$11.36M · min. income ≈ HK$110,092/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$709,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,624
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$59,170
−HK$1,568/mo
Today · 4.125%
HK$60,738
baseline
▲ 0.50% · 4.625%
HK$63,939
+HK$3,201/mo
Deposit HK$7.57M · loan HK$11.36M · min. income ≈ HK$121,476/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$709,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,431
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$62,310
−HK$1,910/mo
Today · 4.125%
HK$64,220
baseline
▲ 0.50% · 4.625%
HK$68,128
+HK$3,908/mo
Deposit HK$5.68M · loan HK$13.25M · min. income ≈ HK$128,440/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$709,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,229
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$69,032
−HK$1,829/mo
Today · 4.125%
HK$70,861
baseline
▲ 0.50% · 4.625%
HK$74,596
+HK$3,735/mo
Deposit HK$5.68M · loan HK$13.25M · min. income ≈ HK$141,722/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$709,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,697
−HK$4,872/mo
▼ 0.25% · 3.875%
HK$80,113
−HK$2,456/mo
Today · 4.125%
HK$82,569
baseline
▲ 0.50% · 4.625%
HK$87,593
+HK$5,024/mo
Deposit HK$1.89M · loan HK$17.04M · min. income ≈ HK$165,138/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,437
−HK$4,670/mo
▼ 0.25% · 3.875%
HK$88,755
−HK$2,352/mo
Today · 4.125%
HK$91,107
baseline
▲ 0.50% · 4.625%
HK$95,909
+HK$4,802/mo
Deposit HK$1.89M · loan HK$17.04M · min. income ≈ HK$182,214/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,867 · Scale 2, in force from 26 Feb 2026)