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$42,510
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$43,832
−HK$1,344/mo
Today · 4.125%
HK$45,176
baseline
▲ 0.50% · 4.625%
HK$47,925
+HK$2,749/mo
Deposit HK$9.32M · loan HK$9.32M · min. income ≈ HK$90,352/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$699,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,292
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$48,560
−HK$1,287/mo
Today · 4.125%
HK$49,847
baseline
▲ 0.50% · 4.625%
HK$52,475
+HK$2,628/mo
Deposit HK$9.32M · loan HK$9.32M · min. income ≈ HK$99,694/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$699,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,012
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$52,599
−HK$1,612/mo
Today · 4.125%
HK$54,211
baseline
▲ 0.50% · 4.625%
HK$57,510
+HK$3,299/mo
Deposit HK$7.46M · loan HK$11.19M · min. income ≈ HK$108,422/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,750
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$58,272
−HK$1,544/mo
Today · 4.125%
HK$59,816
baseline
▲ 0.50% · 4.625%
HK$62,969
+HK$3,153/mo
Deposit HK$7.46M · loan HK$11.19M · min. income ≈ HK$119,632/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$699,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,514
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$61,365
−HK$1,881/mo
Today · 4.125%
HK$63,246
baseline
▲ 0.50% · 4.625%
HK$67,094
+HK$3,848/mo
Deposit HK$5.59M · loan HK$13.05M · min. income ≈ HK$126,492/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$699,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,209
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$67,984
−HK$1,802/mo
Today · 4.125%
HK$69,786
baseline
▲ 0.50% · 4.625%
HK$73,464
+HK$3,678/mo
Deposit HK$5.59M · loan HK$13.05M · min. income ≈ HK$139,572/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$699,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,518
−HK$4,798/mo
▼ 0.25% · 3.875%
HK$78,898
−HK$2,418/mo
Today · 4.125%
HK$81,316
baseline
▲ 0.50% · 4.625%
HK$86,264
+HK$4,948/mo
Deposit HK$1.86M · loan HK$16.78M · min. income ≈ HK$162,632/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$699,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,126
−HK$4,599/mo
▼ 0.25% · 3.875%
HK$87,409
−HK$2,316/mo
Today · 4.125%
HK$89,725
baseline
▲ 0.50% · 4.625%
HK$94,454
+HK$4,729/mo
Deposit HK$1.86M · loan HK$16.78M · min. income ≈ HK$179,450/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$699,100 · Scale 2, in force from 26 Feb 2026)