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$43,977
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$45,345
−HK$1,390/mo
Today · 4.125%
HK$46,735
baseline
▲ 0.50% · 4.625%
HK$49,579
+HK$2,844/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$93,470/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$723,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,925
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$50,237
−HK$1,331/mo
Today · 4.125%
HK$51,568
baseline
▲ 0.50% · 4.625%
HK$54,286
+HK$2,718/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$103,136/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$723,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,773
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$54,415
−HK$1,667/mo
Today · 4.125%
HK$56,082
baseline
▲ 0.50% · 4.625%
HK$59,495
+HK$3,413/mo
Deposit HK$7.71M · loan HK$11.57M · min. income ≈ HK$112,164/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,709
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$60,284
−HK$1,597/mo
Today · 4.125%
HK$61,881
baseline
▲ 0.50% · 4.625%
HK$65,143
+HK$3,262/mo
Deposit HK$7.71M · loan HK$11.57M · min. income ≈ HK$123,762/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,568
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$63,484
−HK$1,945/mo
Today · 4.125%
HK$65,429
baseline
▲ 0.50% · 4.625%
HK$69,411
+HK$3,982/mo
Deposit HK$5.79M · loan HK$13.50M · min. income ≈ HK$130,858/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,494
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$70,331
−HK$1,864/mo
Today · 4.125%
HK$72,195
baseline
▲ 0.50% · 4.625%
HK$76,000
+HK$3,805/mo
Deposit HK$5.79M · loan HK$13.50M · min. income ≈ HK$144,390/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,159
−HK$4,964/mo
▼ 0.25% · 3.875%
HK$81,622
−HK$2,501/mo
Today · 4.125%
HK$84,123
baseline
▲ 0.50% · 4.625%
HK$89,242
+HK$5,119/mo
Deposit HK$1.93M · loan HK$17.36M · min. income ≈ HK$168,246/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,064
−HK$4,758/mo
▼ 0.25% · 3.875%
HK$90,426
−HK$2,396/mo
Today · 4.125%
HK$92,822
baseline
▲ 0.50% · 4.625%
HK$97,715
+HK$4,893/mo
Deposit HK$1.93M · loan HK$17.36M · min. income ≈ HK$185,644/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,233 · Scale 2, in force from 26 Feb 2026)