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$43,711
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$45,070
−HK$1,382/mo
Today · 4.125%
HK$46,452
baseline
▲ 0.50% · 4.625%
HK$49,278
+HK$2,826/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$92,904/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$718,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,628
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$49,932
−HK$1,323/mo
Today · 4.125%
HK$51,255
baseline
▲ 0.50% · 4.625%
HK$53,956
+HK$2,701/mo
Deposit HK$9.58M · loan HK$9.58M · min. income ≈ HK$102,510/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$718,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,453
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$54,084
−HK$1,658/mo
Today · 4.125%
HK$55,742
baseline
▲ 0.50% · 4.625%
HK$59,134
+HK$3,392/mo
Deposit HK$7.67M · loan HK$11.50M · min. income ≈ HK$111,484/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$718,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,353
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$59,918
−HK$1,588/mo
Today · 4.125%
HK$61,506
baseline
▲ 0.50% · 4.625%
HK$64,748
+HK$3,242/mo
Deposit HK$7.67M · loan HK$11.50M · min. income ≈ HK$123,012/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$718,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,195
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$63,098
−HK$1,934/mo
Today · 4.125%
HK$65,032
baseline
▲ 0.50% · 4.625%
HK$68,989
+HK$3,957/mo
Deposit HK$5.75M · loan HK$13.42M · min. income ≈ HK$130,064/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$718,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,079
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$69,904
−HK$1,853/mo
Today · 4.125%
HK$71,757
baseline
▲ 0.50% · 4.625%
HK$75,539
+HK$3,782/mo
Deposit HK$5.75M · loan HK$13.42M · min. income ≈ HK$143,514/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$718,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,679
−HK$4,934/mo
▼ 0.25% · 3.875%
HK$81,126
−HK$2,487/mo
Today · 4.125%
HK$83,613
baseline
▲ 0.50% · 4.625%
HK$88,700
+HK$5,087/mo
Deposit HK$1.92M · loan HK$17.25M · min. income ≈ HK$167,226/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$718,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,530
−HK$4,728/mo
▼ 0.25% · 3.875%
HK$89,877
−HK$2,381/mo
Today · 4.125%
HK$92,258
baseline
▲ 0.50% · 4.625%
HK$97,122
+HK$4,864/mo
Deposit HK$1.92M · loan HK$17.25M · min. income ≈ HK$184,516/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$718,843 · Scale 2, in force from 26 Feb 2026)