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$43,110
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$44,451
−HK$1,363/mo
Today · 4.125%
HK$45,814
baseline
▲ 0.50% · 4.625%
HK$48,601
+HK$2,787/mo
Deposit HK$9.45M · loan HK$9.45M · min. income ≈ HK$91,628/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$708,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,960
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$49,246
−HK$1,305/mo
Today · 4.125%
HK$50,551
baseline
▲ 0.50% · 4.625%
HK$53,215
+HK$2,664/mo
Deposit HK$9.45M · loan HK$9.45M · min. income ≈ HK$101,102/mo (50% DSR)
Upfront cash ≈ HK$10.16M (deposit + AVD stamp duty HK$708,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,732
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$53,341
−HK$1,635/mo
Today · 4.125%
HK$54,976
baseline
▲ 0.50% · 4.625%
HK$58,322
+HK$3,346/mo
Deposit HK$7.56M · loan HK$11.34M · min. income ≈ HK$109,952/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$708,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,552
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$59,095
−HK$1,566/mo
Today · 4.125%
HK$60,661
baseline
▲ 0.50% · 4.625%
HK$63,859
+HK$3,198/mo
Deposit HK$7.56M · loan HK$11.34M · min. income ≈ HK$121,322/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$708,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,354
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$62,232
−HK$1,907/mo
Today · 4.125%
HK$64,139
baseline
▲ 0.50% · 4.625%
HK$68,042
+HK$3,903/mo
Deposit HK$5.67M · loan HK$13.23M · min. income ≈ HK$128,278/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$708,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,144
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$68,944
−HK$1,827/mo
Today · 4.125%
HK$70,771
baseline
▲ 0.50% · 4.625%
HK$74,502
+HK$3,731/mo
Deposit HK$5.67M · loan HK$13.23M · min. income ≈ HK$141,542/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$708,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,598
−HK$4,867/mo
▼ 0.25% · 3.875%
HK$80,012
−HK$2,453/mo
Today · 4.125%
HK$82,465
baseline
▲ 0.50% · 4.625%
HK$87,482
+HK$5,017/mo
Deposit HK$1.89M · loan HK$17.02M · min. income ≈ HK$164,930/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,328
−HK$4,664/mo
▼ 0.25% · 3.875%
HK$88,643
−HK$2,349/mo
Today · 4.125%
HK$90,992
baseline
▲ 0.50% · 4.625%
HK$95,788
+HK$4,796/mo
Deposit HK$1.89M · loan HK$17.02M · min. income ≈ HK$181,984/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$708,971 · Scale 2, in force from 26 Feb 2026)