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$43,127
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$44,469
−HK$1,363/mo
Today · 4.125%
HK$45,832
baseline
▲ 0.50% · 4.625%
HK$48,621
+HK$2,789/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$91,664/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,979
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$49,265
−HK$1,306/mo
Today · 4.125%
HK$50,571
baseline
▲ 0.50% · 4.625%
HK$53,237
+HK$2,666/mo
Deposit HK$9.46M · loan HK$9.46M · min. income ≈ HK$101,142/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$709,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,753
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$53,363
−HK$1,635/mo
Today · 4.125%
HK$54,998
baseline
▲ 0.50% · 4.625%
HK$58,345
+HK$3,347/mo
Deposit HK$7.57M · loan HK$11.35M · min. income ≈ HK$109,996/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$709,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,574
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$59,119
−HK$1,566/mo
Today · 4.125%
HK$60,685
baseline
▲ 0.50% · 4.625%
HK$63,884
+HK$3,199/mo
Deposit HK$7.57M · loan HK$11.35M · min. income ≈ HK$121,370/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$709,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,378
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$62,256
−HK$1,908/mo
Today · 4.125%
HK$64,164
baseline
▲ 0.50% · 4.625%
HK$68,069
+HK$3,905/mo
Deposit HK$5.67M · loan HK$13.24M · min. income ≈ HK$128,328/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$709,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,170
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$68,972
−HK$1,827/mo
Today · 4.125%
HK$70,799
baseline
▲ 0.50% · 4.625%
HK$74,531
+HK$3,732/mo
Deposit HK$5.67M · loan HK$13.24M · min. income ≈ HK$141,598/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$709,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,629
−HK$4,868/mo
▼ 0.25% · 3.875%
HK$80,044
−HK$2,453/mo
Today · 4.125%
HK$82,497
baseline
▲ 0.50% · 4.625%
HK$87,517
+HK$5,020/mo
Deposit HK$1.89M · loan HK$17.02M · min. income ≈ HK$164,994/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,362
−HK$4,666/mo
▼ 0.25% · 3.875%
HK$88,678
−HK$2,350/mo
Today · 4.125%
HK$91,028
baseline
▲ 0.50% · 4.625%
HK$95,826
+HK$4,798/mo
Deposit HK$1.89M · loan HK$17.02M · min. income ≈ HK$182,056/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$709,252 · Scale 2, in force from 26 Feb 2026)