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$43,136
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$44,478
−HK$1,363/mo
Today · 4.125%
HK$45,841
baseline
▲ 0.50% · 4.625%
HK$48,630
+HK$2,789/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$91,682/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,989
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$49,276
−HK$1,305/mo
Today · 4.125%
HK$50,581
baseline
▲ 0.50% · 4.625%
HK$53,247
+HK$2,666/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$101,162/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,763
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$53,374
−HK$1,635/mo
Today · 4.125%
HK$55,009
baseline
▲ 0.50% · 4.625%
HK$58,357
+HK$3,348/mo
Deposit HK$7.57M · loan HK$11.35M · min. income ≈ HK$110,018/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$709,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,586
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$59,131
−HK$1,566/mo
Today · 4.125%
HK$60,697
baseline
▲ 0.50% · 4.625%
HK$63,897
+HK$3,200/mo
Deposit HK$7.57M · loan HK$11.35M · min. income ≈ HK$121,394/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$709,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,391
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$62,269
−HK$1,909/mo
Today · 4.125%
HK$64,178
baseline
▲ 0.50% · 4.625%
HK$68,083
+HK$3,905/mo
Deposit HK$5.68M · loan HK$13.24M · min. income ≈ HK$128,356/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$709,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,184
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$68,986
−HK$1,828/mo
Today · 4.125%
HK$70,814
baseline
▲ 0.50% · 4.625%
HK$74,546
+HK$3,732/mo
Deposit HK$5.68M · loan HK$13.24M · min. income ≈ HK$141,628/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$709,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,645
−HK$4,869/mo
▼ 0.25% · 3.875%
HK$80,060
−HK$2,454/mo
Today · 4.125%
HK$82,514
baseline
▲ 0.50% · 4.625%
HK$87,535
+HK$5,021/mo
Deposit HK$1.89M · loan HK$17.03M · min. income ≈ HK$165,028/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,379
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$88,696
−HK$2,350/mo
Today · 4.125%
HK$91,046
baseline
▲ 0.50% · 4.625%
HK$95,845
+HK$4,799/mo
Deposit HK$1.89M · loan HK$17.03M · min. income ≈ HK$182,092/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,397 · Scale 2, in force from 26 Feb 2026)