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$43,186
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$44,529
−HK$1,365/mo
Today · 4.125%
HK$45,894
baseline
▲ 0.50% · 4.625%
HK$48,687
+HK$2,793/mo
Deposit HK$9.47M · loan HK$9.47M · min. income ≈ HK$91,788/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$710,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,044
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$49,333
−HK$1,307/mo
Today · 4.125%
HK$50,640
baseline
▲ 0.50% · 4.625%
HK$53,309
+HK$2,669/mo
Deposit HK$9.47M · loan HK$9.47M · min. income ≈ HK$101,280/mo (50% DSR)
Upfront cash ≈ HK$10.18M (deposit + AVD stamp duty HK$710,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,823
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$53,435
−HK$1,638/mo
Today · 4.125%
HK$55,073
baseline
▲ 0.50% · 4.625%
HK$58,424
+HK$3,351/mo
Deposit HK$7.58M · loan HK$11.36M · min. income ≈ HK$110,146/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,653
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$59,199
−HK$1,569/mo
Today · 4.125%
HK$60,768
baseline
▲ 0.50% · 4.625%
HK$63,971
+HK$3,203/mo
Deposit HK$7.58M · loan HK$11.36M · min. income ≈ HK$121,536/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,461
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$62,341
−HK$1,911/mo
Today · 4.125%
HK$64,252
baseline
▲ 0.50% · 4.625%
HK$68,162
+HK$3,910/mo
Deposit HK$5.68M · loan HK$13.26M · min. income ≈ HK$128,504/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$710,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,262
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$69,066
−HK$1,830/mo
Today · 4.125%
HK$70,896
baseline
▲ 0.50% · 4.625%
HK$74,633
+HK$3,737/mo
Deposit HK$5.68M · loan HK$13.26M · min. income ≈ HK$141,792/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$710,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,735
−HK$4,875/mo
▼ 0.25% · 3.875%
HK$80,153
−HK$2,457/mo
Today · 4.125%
HK$82,610
baseline
▲ 0.50% · 4.625%
HK$87,636
+HK$5,026/mo
Deposit HK$1.89M · loan HK$17.05M · min. income ≈ HK$165,220/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$710,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,479
−HK$4,673/mo
▼ 0.25% · 3.875%
HK$88,799
−HK$2,353/mo
Today · 4.125%
HK$91,152
baseline
▲ 0.50% · 4.625%
HK$95,956
+HK$4,804/mo
Deposit HK$1.89M · loan HK$17.05M · min. income ≈ HK$182,304/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$710,218 · Scale 2, in force from 26 Feb 2026)