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$43,643
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$45,001
−HK$1,379/mo
Today · 4.125%
HK$46,380
baseline
▲ 0.50% · 4.625%
HK$49,202
+HK$2,822/mo
Deposit HK$9.57M · loan HK$9.57M · min. income ≈ HK$92,760/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$717,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,552
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$49,855
−HK$1,321/mo
Today · 4.125%
HK$51,176
baseline
▲ 0.50% · 4.625%
HK$53,873
+HK$2,697/mo
Deposit HK$9.57M · loan HK$9.57M · min. income ≈ HK$102,352/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$717,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,372
−HK$3,284/mo
▼ 0.25% · 3.875%
HK$54,001
−HK$1,655/mo
Today · 4.125%
HK$55,656
baseline
▲ 0.50% · 4.625%
HK$59,042
+HK$3,386/mo
Deposit HK$7.66M · loan HK$11.48M · min. income ≈ HK$111,312/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,263
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$59,825
−HK$1,586/mo
Today · 4.125%
HK$61,411
baseline
▲ 0.50% · 4.625%
HK$64,648
+HK$3,237/mo
Deposit HK$7.66M · loan HK$11.48M · min. income ≈ HK$122,822/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,100
−HK$3,832/mo
▼ 0.25% · 3.875%
HK$63,001
−HK$1,931/mo
Today · 4.125%
HK$64,932
baseline
▲ 0.50% · 4.625%
HK$68,883
+HK$3,951/mo
Deposit HK$5.74M · loan HK$13.40M · min. income ≈ HK$129,864/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,973
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$69,796
−HK$1,850/mo
Today · 4.125%
HK$71,646
baseline
▲ 0.50% · 4.625%
HK$75,422
+HK$3,776/mo
Deposit HK$5.74M · loan HK$13.40M · min. income ≈ HK$143,292/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,557
−HK$4,927/mo
▼ 0.25% · 3.875%
HK$81,001
−HK$2,483/mo
Today · 4.125%
HK$83,484
baseline
▲ 0.50% · 4.625%
HK$88,563
+HK$5,079/mo
Deposit HK$1.91M · loan HK$17.23M · min. income ≈ HK$166,968/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,394
−HK$4,722/mo
▼ 0.25% · 3.875%
HK$89,738
−HK$2,378/mo
Today · 4.125%
HK$92,116
baseline
▲ 0.50% · 4.625%
HK$96,971
+HK$4,855/mo
Deposit HK$1.91M · loan HK$17.23M · min. income ≈ HK$184,232/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,732 · Scale 2, in force from 26 Feb 2026)