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$43,645
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$45,002
−HK$1,380/mo
Today · 4.125%
HK$46,382
baseline
▲ 0.50% · 4.625%
HK$49,204
+HK$2,822/mo
Deposit HK$9.57M · loan HK$9.57M · min. income ≈ HK$92,764/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$717,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,554
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$49,857
−HK$1,321/mo
Today · 4.125%
HK$51,178
baseline
▲ 0.50% · 4.625%
HK$53,875
+HK$2,697/mo
Deposit HK$9.57M · loan HK$9.57M · min. income ≈ HK$102,356/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$717,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,374
−HK$3,284/mo
▼ 0.25% · 3.875%
HK$54,003
−HK$1,655/mo
Today · 4.125%
HK$55,658
baseline
▲ 0.50% · 4.625%
HK$59,045
+HK$3,387/mo
Deposit HK$7.66M · loan HK$11.48M · min. income ≈ HK$111,316/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,265
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$59,828
−HK$1,585/mo
Today · 4.125%
HK$61,413
baseline
▲ 0.50% · 4.625%
HK$64,650
+HK$3,237/mo
Deposit HK$7.66M · loan HK$11.48M · min. income ≈ HK$122,826/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,103
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$63,003
−HK$1,931/mo
Today · 4.125%
HK$64,934
baseline
▲ 0.50% · 4.625%
HK$68,885
+HK$3,951/mo
Deposit HK$5.74M · loan HK$13.40M · min. income ≈ HK$129,868/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,976
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$69,799
−HK$1,850/mo
Today · 4.125%
HK$71,649
baseline
▲ 0.50% · 4.625%
HK$75,425
+HK$3,776/mo
Deposit HK$5.74M · loan HK$13.40M · min. income ≈ HK$143,298/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,561
−HK$4,926/mo
▼ 0.25% · 3.875%
HK$81,004
−HK$2,483/mo
Today · 4.125%
HK$83,487
baseline
▲ 0.50% · 4.625%
HK$88,567
+HK$5,080/mo
Deposit HK$1.91M · loan HK$17.23M · min. income ≈ HK$166,974/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,398
−HK$4,722/mo
▼ 0.25% · 3.875%
HK$89,742
−HK$2,378/mo
Today · 4.125%
HK$92,120
baseline
▲ 0.50% · 4.625%
HK$96,975
+HK$4,855/mo
Deposit HK$1.91M · loan HK$17.23M · min. income ≈ HK$184,240/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,762 · Scale 2, in force from 26 Feb 2026)