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$43,660
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$45,019
−HK$1,379/mo
Today · 4.125%
HK$46,398
baseline
▲ 0.50% · 4.625%
HK$49,222
+HK$2,824/mo
Deposit HK$9.57M · loan HK$9.57M · min. income ≈ HK$92,796/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$718,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,572
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$49,875
−HK$1,321/mo
Today · 4.125%
HK$51,196
baseline
▲ 0.50% · 4.625%
HK$53,895
+HK$2,699/mo
Deposit HK$9.57M · loan HK$9.57M · min. income ≈ HK$102,392/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$718,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,393
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$54,022
−HK$1,656/mo
Today · 4.125%
HK$55,678
baseline
▲ 0.50% · 4.625%
HK$59,066
+HK$3,388/mo
Deposit HK$7.66M · loan HK$11.49M · min. income ≈ HK$111,356/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$718,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,286
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$59,849
−HK$1,586/mo
Today · 4.125%
HK$61,435
baseline
▲ 0.50% · 4.625%
HK$64,674
+HK$3,239/mo
Deposit HK$7.66M · loan HK$11.49M · min. income ≈ HK$122,870/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$718,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,125
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$63,026
−HK$1,932/mo
Today · 4.125%
HK$64,958
baseline
▲ 0.50% · 4.625%
HK$68,910
+HK$3,952/mo
Deposit HK$5.74M · loan HK$13.40M · min. income ≈ HK$129,916/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$718,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,001
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$69,824
−HK$1,850/mo
Today · 4.125%
HK$71,674
baseline
▲ 0.50% · 4.625%
HK$75,452
+HK$3,778/mo
Deposit HK$5.74M · loan HK$13.40M · min. income ≈ HK$143,348/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$718,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,589
−HK$4,928/mo
▼ 0.25% · 3.875%
HK$81,033
−HK$2,484/mo
Today · 4.125%
HK$83,517
baseline
▲ 0.50% · 4.625%
HK$88,599
+HK$5,082/mo
Deposit HK$1.91M · loan HK$17.23M · min. income ≈ HK$167,034/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$718,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,429
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$89,774
−HK$2,379/mo
Today · 4.125%
HK$92,153
baseline
▲ 0.50% · 4.625%
HK$97,010
+HK$4,857/mo
Deposit HK$1.91M · loan HK$17.23M · min. income ≈ HK$184,306/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$718,020 · Scale 2, in force from 26 Feb 2026)