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$43,093
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$44,433
−HK$1,362/mo
Today · 4.125%
HK$45,795
baseline
▲ 0.50% · 4.625%
HK$48,582
+HK$2,787/mo
Deposit HK$9.45M · loan HK$9.45M · min. income ≈ HK$91,590/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$708,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,941
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$49,226
−HK$1,305/mo
Today · 4.125%
HK$50,531
baseline
▲ 0.50% · 4.625%
HK$53,194
+HK$2,663/mo
Deposit HK$9.45M · loan HK$9.45M · min. income ≈ HK$101,062/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$708,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,712
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$53,320
−HK$1,634/mo
Today · 4.125%
HK$54,954
baseline
▲ 0.50% · 4.625%
HK$58,298
+HK$3,344/mo
Deposit HK$7.56M · loan HK$11.34M · min. income ≈ HK$109,908/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$708,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,529
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$59,072
−HK$1,565/mo
Today · 4.125%
HK$60,637
baseline
▲ 0.50% · 4.625%
HK$63,833
+HK$3,196/mo
Deposit HK$7.56M · loan HK$11.34M · min. income ≈ HK$121,274/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$708,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,330
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$62,207
−HK$1,906/mo
Today · 4.125%
HK$64,113
baseline
▲ 0.50% · 4.625%
HK$68,015
+HK$3,902/mo
Deposit HK$5.67M · loan HK$13.23M · min. income ≈ HK$128,226/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$708,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,117
−HK$3,626/mo
▼ 0.25% · 3.875%
HK$68,917
−HK$1,826/mo
Today · 4.125%
HK$70,743
baseline
▲ 0.50% · 4.625%
HK$74,472
+HK$3,729/mo
Deposit HK$5.67M · loan HK$13.23M · min. income ≈ HK$141,486/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$708,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,567
−HK$4,865/mo
▼ 0.25% · 3.875%
HK$79,980
−HK$2,452/mo
Today · 4.125%
HK$82,432
baseline
▲ 0.50% · 4.625%
HK$87,447
+HK$5,015/mo
Deposit HK$1.89M · loan HK$17.01M · min. income ≈ HK$164,864/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,293
−HK$4,662/mo
▼ 0.25% · 3.875%
HK$88,607
−HK$2,348/mo
Today · 4.125%
HK$90,955
baseline
▲ 0.50% · 4.625%
HK$95,749
+HK$4,794/mo
Deposit HK$1.89M · loan HK$17.01M · min. income ≈ HK$181,910/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,687 · Scale 2, in force from 26 Feb 2026)