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$43,808
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$45,170
−HK$1,385/mo
Today · 4.125%
HK$46,555
baseline
▲ 0.50% · 4.625%
HK$49,387
+HK$2,832/mo
Deposit HK$9.61M · loan HK$9.61M · min. income ≈ HK$93,110/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$720,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,735
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$50,042
−HK$1,326/mo
Today · 4.125%
HK$51,368
baseline
▲ 0.50% · 4.625%
HK$54,076
+HK$2,708/mo
Deposit HK$9.61M · loan HK$9.61M · min. income ≈ HK$102,736/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$720,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,569
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$54,204
−HK$1,662/mo
Today · 4.125%
HK$55,866
baseline
▲ 0.50% · 4.625%
HK$59,265
+HK$3,399/mo
Deposit HK$7.68M · loan HK$11.53M · min. income ≈ HK$111,732/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$720,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,483
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$60,051
−HK$1,591/mo
Today · 4.125%
HK$61,642
baseline
▲ 0.50% · 4.625%
HK$64,891
+HK$3,249/mo
Deposit HK$7.68M · loan HK$11.53M · min. income ≈ HK$123,284/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$720,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,331
−HK$3,845/mo
▼ 0.25% · 3.875%
HK$63,238
−HK$1,938/mo
Today · 4.125%
HK$65,176
baseline
▲ 0.50% · 4.625%
HK$69,142
+HK$3,966/mo
Deposit HK$5.76M · loan HK$13.45M · min. income ≈ HK$130,352/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$720,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,230
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$70,059
−HK$1,857/mo
Today · 4.125%
HK$71,916
baseline
▲ 0.50% · 4.625%
HK$75,707
+HK$3,791/mo
Deposit HK$5.76M · loan HK$13.45M · min. income ≈ HK$143,832/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$720,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,854
−HK$4,944/mo
▼ 0.25% · 3.875%
HK$81,306
−HK$2,492/mo
Today · 4.125%
HK$83,798
baseline
▲ 0.50% · 4.625%
HK$88,897
+HK$5,099/mo
Deposit HK$1.92M · loan HK$17.29M · min. income ≈ HK$167,596/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,724
−HK$4,739/mo
▼ 0.25% · 3.875%
HK$90,076
−HK$2,387/mo
Today · 4.125%
HK$92,463
baseline
▲ 0.50% · 4.625%
HK$97,337
+HK$4,874/mo
Deposit HK$1.92M · loan HK$17.29M · min. income ≈ HK$184,926/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,438 · Scale 2, in force from 26 Feb 2026)