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$43,892
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$45,257
−HK$1,387/mo
Today · 4.125%
HK$46,644
baseline
▲ 0.50% · 4.625%
HK$49,482
+HK$2,838/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$93,288/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$721,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,829
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$50,138
−HK$1,329/mo
Today · 4.125%
HK$51,467
baseline
▲ 0.50% · 4.625%
HK$54,180
+HK$2,713/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$102,934/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$721,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,670
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$54,308
−HK$1,665/mo
Today · 4.125%
HK$55,973
baseline
▲ 0.50% · 4.625%
HK$59,379
+HK$3,406/mo
Deposit HK$7.70M · loan HK$11.55M · min. income ≈ HK$111,946/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,595
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$60,166
−HK$1,594/mo
Today · 4.125%
HK$61,760
baseline
▲ 0.50% · 4.625%
HK$65,016
+HK$3,256/mo
Deposit HK$7.70M · loan HK$11.55M · min. income ≈ HK$123,520/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,448
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$63,360
−HK$1,941/mo
Today · 4.125%
HK$65,301
baseline
▲ 0.50% · 4.625%
HK$69,275
+HK$3,974/mo
Deposit HK$5.77M · loan HK$13.47M · min. income ≈ HK$130,602/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$721,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,360
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$70,194
−HK$1,860/mo
Today · 4.125%
HK$72,054
baseline
▲ 0.50% · 4.625%
HK$75,852
+HK$3,798/mo
Deposit HK$5.77M · loan HK$13.47M · min. income ≈ HK$144,108/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$721,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,005
−HK$4,954/mo
▼ 0.25% · 3.875%
HK$81,462
−HK$2,497/mo
Today · 4.125%
HK$83,959
baseline
▲ 0.50% · 4.625%
HK$89,068
+HK$5,109/mo
Deposit HK$1.92M · loan HK$17.32M · min. income ≈ HK$167,918/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,892
−HK$4,749/mo
▼ 0.25% · 3.875%
HK$90,249
−HK$2,392/mo
Today · 4.125%
HK$92,641
baseline
▲ 0.50% · 4.625%
HK$97,524
+HK$4,883/mo
Deposit HK$1.92M · loan HK$17.32M · min. income ≈ HK$185,282/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,820 · Scale 2, in force from 26 Feb 2026)