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$43,666
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$45,024
−HK$1,380/mo
Today · 4.125%
HK$46,404
baseline
▲ 0.50% · 4.625%
HK$49,228
+HK$2,824/mo
Deposit HK$9.57M · loan HK$9.57M · min. income ≈ HK$92,808/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$718,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,578
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$49,881
−HK$1,321/mo
Today · 4.125%
HK$51,202
baseline
▲ 0.50% · 4.625%
HK$53,901
+HK$2,699/mo
Deposit HK$9.57M · loan HK$9.57M · min. income ≈ HK$102,404/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$718,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,399
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$54,029
−HK$1,656/mo
Today · 4.125%
HK$55,685
baseline
▲ 0.50% · 4.625%
HK$59,073
+HK$3,388/mo
Deposit HK$7.66M · loan HK$11.49M · min. income ≈ HK$111,370/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$718,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,293
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$59,857
−HK$1,586/mo
Today · 4.125%
HK$61,443
baseline
▲ 0.50% · 4.625%
HK$64,681
+HK$3,238/mo
Deposit HK$7.66M · loan HK$11.49M · min. income ≈ HK$122,886/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$718,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,132
−HK$3,834/mo
▼ 0.25% · 3.875%
HK$63,034
−HK$1,932/mo
Today · 4.125%
HK$64,966
baseline
▲ 0.50% · 4.625%
HK$68,919
+HK$3,953/mo
Deposit HK$5.74M · loan HK$13.40M · min. income ≈ HK$129,932/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$718,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,009
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$69,833
−HK$1,850/mo
Today · 4.125%
HK$71,683
baseline
▲ 0.50% · 4.625%
HK$75,462
+HK$3,779/mo
Deposit HK$5.74M · loan HK$13.40M · min. income ≈ HK$143,366/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$718,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,598
−HK$4,929/mo
▼ 0.25% · 3.875%
HK$81,043
−HK$2,484/mo
Today · 4.125%
HK$83,527
baseline
▲ 0.50% · 4.625%
HK$88,610
+HK$5,083/mo
Deposit HK$1.91M · loan HK$17.23M · min. income ≈ HK$167,054/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$718,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,440
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$89,785
−HK$2,379/mo
Today · 4.125%
HK$92,164
baseline
▲ 0.50% · 4.625%
HK$97,022
+HK$4,858/mo
Deposit HK$1.91M · loan HK$17.23M · min. income ≈ HK$184,328/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$718,106 · Scale 2, in force from 26 Feb 2026)