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$44,153
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$45,526
−HK$1,396/mo
Today · 4.125%
HK$46,922
baseline
▲ 0.50% · 4.625%
HK$49,777
+HK$2,855/mo
Deposit HK$9.68M · loan HK$9.68M · min. income ≈ HK$93,844/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,120
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$50,437
−HK$1,337/mo
Today · 4.125%
HK$51,774
baseline
▲ 0.50% · 4.625%
HK$54,503
+HK$2,729/mo
Deposit HK$9.68M · loan HK$9.68M · min. income ≈ HK$103,548/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,984
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$54,632
−HK$1,674/mo
Today · 4.125%
HK$56,306
baseline
▲ 0.50% · 4.625%
HK$59,732
+HK$3,426/mo
Deposit HK$7.75M · loan HK$11.62M · min. income ≈ HK$112,612/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$726,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,944
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$60,525
−HK$1,603/mo
Today · 4.125%
HK$62,128
baseline
▲ 0.50% · 4.625%
HK$65,403
+HK$3,275/mo
Deposit HK$7.75M · loan HK$11.62M · min. income ≈ HK$124,256/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$726,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,814
−HK$3,877/mo
▼ 0.25% · 3.875%
HK$63,737
−HK$1,954/mo
Today · 4.125%
HK$65,691
baseline
▲ 0.50% · 4.625%
HK$69,688
+HK$3,997/mo
Deposit HK$5.81M · loan HK$13.55M · min. income ≈ HK$131,382/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,768
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$70,612
−HK$1,871/mo
Today · 4.125%
HK$72,483
baseline
▲ 0.50% · 4.625%
HK$76,304
+HK$3,821/mo
Deposit HK$5.81M · loan HK$13.55M · min. income ≈ HK$144,966/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,475
−HK$4,984/mo
▼ 0.25% · 3.875%
HK$81,948
−HK$2,511/mo
Today · 4.125%
HK$84,459
baseline
▲ 0.50% · 4.625%
HK$89,598
+HK$5,139/mo
Deposit HK$1.94M · loan HK$17.43M · min. income ≈ HK$168,918/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,416
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$90,787
−HK$2,405/mo
Today · 4.125%
HK$93,192
baseline
▲ 0.50% · 4.625%
HK$98,105
+HK$4,913/mo
Deposit HK$1.94M · loan HK$17.43M · min. income ≈ HK$186,384/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,120 · Scale 2, in force from 26 Feb 2026)