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$44,006
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$45,375
−HK$1,391/mo
Today · 4.125%
HK$46,766
baseline
▲ 0.50% · 4.625%
HK$49,611
+HK$2,845/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$93,532/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$723,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,956
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$50,269
−HK$1,332/mo
Today · 4.125%
HK$51,601
baseline
▲ 0.50% · 4.625%
HK$54,321
+HK$2,720/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$103,202/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$723,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,807
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$54,450
−HK$1,669/mo
Today · 4.125%
HK$56,119
baseline
▲ 0.50% · 4.625%
HK$59,534
+HK$3,415/mo
Deposit HK$7.72M · loan HK$11.58M · min. income ≈ HK$112,238/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,748
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$60,323
−HK$1,599/mo
Today · 4.125%
HK$61,922
baseline
▲ 0.50% · 4.625%
HK$65,186
+HK$3,264/mo
Deposit HK$7.72M · loan HK$11.58M · min. income ≈ HK$123,844/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,609
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$63,525
−HK$1,947/mo
Today · 4.125%
HK$65,472
baseline
▲ 0.50% · 4.625%
HK$69,456
+HK$3,984/mo
Deposit HK$5.79M · loan HK$13.51M · min. income ≈ HK$130,944/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,539
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$70,377
−HK$1,865/mo
Today · 4.125%
HK$72,242
baseline
▲ 0.50% · 4.625%
HK$76,050
+HK$3,808/mo
Deposit HK$5.79M · loan HK$13.51M · min. income ≈ HK$144,484/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,211
−HK$4,967/mo
▼ 0.25% · 3.875%
HK$81,675
−HK$2,503/mo
Today · 4.125%
HK$84,178
baseline
▲ 0.50% · 4.625%
HK$89,300
+HK$5,122/mo
Deposit HK$1.93M · loan HK$17.37M · min. income ≈ HK$168,356/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,122
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$90,485
−HK$2,397/mo
Today · 4.125%
HK$92,882
baseline
▲ 0.50% · 4.625%
HK$97,778
+HK$4,896/mo
Deposit HK$1.93M · loan HK$17.37M · min. income ≈ HK$185,764/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,704 · Scale 2, in force from 26 Feb 2026)