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$43,661
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$45,019
−HK$1,380/mo
Today · 4.125%
HK$46,399
baseline
▲ 0.50% · 4.625%
HK$49,222
+HK$2,823/mo
Deposit HK$9.57M · loan HK$9.57M · min. income ≈ HK$92,798/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$718,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,572
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$49,875
−HK$1,322/mo
Today · 4.125%
HK$51,197
baseline
▲ 0.50% · 4.625%
HK$53,895
+HK$2,698/mo
Deposit HK$9.57M · loan HK$9.57M · min. income ≈ HK$102,394/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$718,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,393
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$54,023
−HK$1,656/mo
Today · 4.125%
HK$55,679
baseline
▲ 0.50% · 4.625%
HK$59,067
+HK$3,388/mo
Deposit HK$7.66M · loan HK$11.49M · min. income ≈ HK$111,358/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$718,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,287
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$59,850
−HK$1,586/mo
Today · 4.125%
HK$61,436
baseline
▲ 0.50% · 4.625%
HK$64,674
+HK$3,238/mo
Deposit HK$7.66M · loan HK$11.49M · min. income ≈ HK$122,872/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$718,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,125
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$63,027
−HK$1,931/mo
Today · 4.125%
HK$64,958
baseline
▲ 0.50% · 4.625%
HK$68,911
+HK$3,953/mo
Deposit HK$5.74M · loan HK$13.40M · min. income ≈ HK$129,916/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$718,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,001
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$69,825
−HK$1,850/mo
Today · 4.125%
HK$71,675
baseline
▲ 0.50% · 4.625%
HK$75,453
+HK$3,778/mo
Deposit HK$5.74M · loan HK$13.40M · min. income ≈ HK$143,350/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$718,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,590
−HK$4,928/mo
▼ 0.25% · 3.875%
HK$81,034
−HK$2,484/mo
Today · 4.125%
HK$83,518
baseline
▲ 0.50% · 4.625%
HK$88,600
+HK$5,082/mo
Deposit HK$1.91M · loan HK$17.23M · min. income ≈ HK$167,036/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$718,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,430
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$89,775
−HK$2,379/mo
Today · 4.125%
HK$92,154
baseline
▲ 0.50% · 4.625%
HK$97,011
+HK$4,857/mo
Deposit HK$1.91M · loan HK$17.23M · min. income ≈ HK$184,308/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$718,027 · Scale 2, in force from 26 Feb 2026)