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$43,821
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$45,184
−HK$1,385/mo
Today · 4.125%
HK$46,569
baseline
▲ 0.50% · 4.625%
HK$49,403
+HK$2,834/mo
Deposit HK$9.61M · loan HK$9.61M · min. income ≈ HK$93,138/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$720,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,750
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$50,058
−HK$1,326/mo
Today · 4.125%
HK$51,384
baseline
▲ 0.50% · 4.625%
HK$54,093
+HK$2,709/mo
Deposit HK$9.61M · loan HK$9.61M · min. income ≈ HK$102,768/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$720,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,585
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$54,221
−HK$1,662/mo
Today · 4.125%
HK$55,883
baseline
▲ 0.50% · 4.625%
HK$59,283
+HK$3,400/mo
Deposit HK$7.69M · loan HK$11.53M · min. income ≈ HK$111,766/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$720,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,501
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$60,069
−HK$1,592/mo
Today · 4.125%
HK$61,661
baseline
▲ 0.50% · 4.625%
HK$64,911
+HK$3,250/mo
Deposit HK$7.69M · loan HK$11.53M · min. income ≈ HK$123,322/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$720,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,349
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$63,258
−HK$1,939/mo
Today · 4.125%
HK$65,197
baseline
▲ 0.50% · 4.625%
HK$69,164
+HK$3,967/mo
Deposit HK$5.77M · loan HK$13.45M · min. income ≈ HK$130,394/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$720,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,251
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$70,081
−HK$1,857/mo
Today · 4.125%
HK$71,938
baseline
▲ 0.50% · 4.625%
HK$75,730
+HK$3,792/mo
Deposit HK$5.77M · loan HK$13.45M · min. income ≈ HK$143,876/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$720,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,878
−HK$4,946/mo
▼ 0.25% · 3.875%
HK$81,331
−HK$2,493/mo
Today · 4.125%
HK$83,824
baseline
▲ 0.50% · 4.625%
HK$88,925
+HK$5,101/mo
Deposit HK$1.92M · loan HK$17.30M · min. income ≈ HK$167,648/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,751
−HK$4,741/mo
▼ 0.25% · 3.875%
HK$90,104
−HK$2,388/mo
Today · 4.125%
HK$92,492
baseline
▲ 0.50% · 4.625%
HK$97,367
+HK$4,875/mo
Deposit HK$1.92M · loan HK$17.30M · min. income ≈ HK$184,984/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,660 · Scale 2, in force from 26 Feb 2026)