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$43,012
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$44,350
−HK$1,359/mo
Today · 4.125%
HK$45,709
baseline
▲ 0.50% · 4.625%
HK$48,490
+HK$2,781/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$91,418/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$707,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,850
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$49,134
−HK$1,302/mo
Today · 4.125%
HK$50,436
baseline
▲ 0.50% · 4.625%
HK$53,094
+HK$2,658/mo
Deposit HK$9.43M · loan HK$9.43M · min. income ≈ HK$100,872/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$707,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,614
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$53,220
−HK$1,631/mo
Today · 4.125%
HK$54,851
baseline
▲ 0.50% · 4.625%
HK$58,189
+HK$3,338/mo
Deposit HK$7.55M · loan HK$11.32M · min. income ≈ HK$109,702/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$707,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,420
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$58,960
−HK$1,563/mo
Today · 4.125%
HK$60,523
baseline
▲ 0.50% · 4.625%
HK$63,713
+HK$3,190/mo
Deposit HK$7.55M · loan HK$11.32M · min. income ≈ HK$121,046/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$707,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,217
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$62,090
−HK$1,903/mo
Today · 4.125%
HK$63,993
baseline
▲ 0.50% · 4.625%
HK$67,887
+HK$3,894/mo
Deposit HK$5.66M · loan HK$13.20M · min. income ≈ HK$127,986/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,990
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$68,787
−HK$1,823/mo
Today · 4.125%
HK$70,610
baseline
▲ 0.50% · 4.625%
HK$74,332
+HK$3,722/mo
Deposit HK$5.66M · loan HK$13.20M · min. income ≈ HK$141,220/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$707,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,421
−HK$4,855/mo
▼ 0.25% · 3.875%
HK$79,830
−HK$2,446/mo
Today · 4.125%
HK$82,276
baseline
▲ 0.50% · 4.625%
HK$87,283
+HK$5,007/mo
Deposit HK$1.89M · loan HK$16.98M · min. income ≈ HK$164,552/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$707,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,131
−HK$4,653/mo
▼ 0.25% · 3.875%
HK$88,441
−HK$2,343/mo
Today · 4.125%
HK$90,784
baseline
▲ 0.50% · 4.625%
HK$95,569
+HK$4,785/mo
Deposit HK$1.89M · loan HK$16.98M · min. income ≈ HK$181,568/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$707,354 · Scale 2, in force from 26 Feb 2026)