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$44,070
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$45,440
−HK$1,393/mo
Today · 4.125%
HK$46,833
baseline
▲ 0.50% · 4.625%
HK$49,683
+HK$2,850/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$93,666/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$724,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,027
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$50,342
−HK$1,334/mo
Today · 4.125%
HK$51,676
baseline
▲ 0.50% · 4.625%
HK$54,400
+HK$2,724/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$103,352/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$724,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,883
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$54,528
−HK$1,672/mo
Today · 4.125%
HK$56,200
baseline
▲ 0.50% · 4.625%
HK$59,619
+HK$3,419/mo
Deposit HK$7.73M · loan HK$11.60M · min. income ≈ HK$112,400/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$724,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,832
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$60,410
−HK$1,601/mo
Today · 4.125%
HK$62,011
baseline
▲ 0.50% · 4.625%
HK$65,279
+HK$3,268/mo
Deposit HK$7.73M · loan HK$11.60M · min. income ≈ HK$124,022/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$724,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,697
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$63,616
−HK$1,950/mo
Today · 4.125%
HK$65,566
baseline
▲ 0.50% · 4.625%
HK$69,556
+HK$3,990/mo
Deposit HK$5.80M · loan HK$13.53M · min. income ≈ HK$131,132/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,638
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$70,478
−HK$1,868/mo
Today · 4.125%
HK$72,346
baseline
▲ 0.50% · 4.625%
HK$76,159
+HK$3,813/mo
Deposit HK$5.80M · loan HK$13.53M · min. income ≈ HK$144,692/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,325
−HK$4,975/mo
▼ 0.25% · 3.875%
HK$81,793
−HK$2,507/mo
Today · 4.125%
HK$84,300
baseline
▲ 0.50% · 4.625%
HK$89,429
+HK$5,129/mo
Deposit HK$1.93M · loan HK$17.39M · min. income ≈ HK$168,600/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,248
−HK$4,768/mo
▼ 0.25% · 3.875%
HK$90,615
−HK$2,401/mo
Today · 4.125%
HK$93,016
baseline
▲ 0.50% · 4.625%
HK$97,919
+HK$4,903/mo
Deposit HK$1.93M · loan HK$17.39M · min. income ≈ HK$186,032/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,747 · Scale 2, in force from 26 Feb 2026)