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$44,180
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$45,554
−HK$1,397/mo
Today · 4.125%
HK$46,951
baseline
▲ 0.50% · 4.625%
HK$49,808
+HK$2,857/mo
Deposit HK$9.69M · loan HK$9.69M · min. income ≈ HK$93,902/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,150
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$50,468
−HK$1,337/mo
Today · 4.125%
HK$51,805
baseline
▲ 0.50% · 4.625%
HK$54,536
+HK$2,731/mo
Deposit HK$9.69M · loan HK$9.69M · min. income ≈ HK$103,610/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$726,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,016
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$54,665
−HK$1,676/mo
Today · 4.125%
HK$56,341
baseline
▲ 0.50% · 4.625%
HK$59,769
+HK$3,428/mo
Deposit HK$7.75M · loan HK$11.63M · min. income ≈ HK$112,682/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$726,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,980
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$60,562
−HK$1,605/mo
Today · 4.125%
HK$62,167
baseline
▲ 0.50% · 4.625%
HK$65,443
+HK$3,276/mo
Deposit HK$7.75M · loan HK$11.63M · min. income ≈ HK$124,334/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$726,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,852
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$63,776
−HK$1,955/mo
Today · 4.125%
HK$65,731
baseline
▲ 0.50% · 4.625%
HK$69,731
+HK$4,000/mo
Deposit HK$5.81M · loan HK$13.56M · min. income ≈ HK$131,462/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,810
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$70,656
−HK$1,872/mo
Today · 4.125%
HK$72,528
baseline
▲ 0.50% · 4.625%
HK$76,351
+HK$3,823/mo
Deposit HK$5.81M · loan HK$13.56M · min. income ≈ HK$145,056/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$726,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,524
−HK$4,987/mo
▼ 0.25% · 3.875%
HK$81,998
−HK$2,513/mo
Today · 4.125%
HK$84,511
baseline
▲ 0.50% · 4.625%
HK$89,654
+HK$5,143/mo
Deposit HK$1.94M · loan HK$17.44M · min. income ≈ HK$169,022/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,470
−HK$4,780/mo
▼ 0.25% · 3.875%
HK$90,843
−HK$2,407/mo
Today · 4.125%
HK$93,250
baseline
▲ 0.50% · 4.625%
HK$98,165
+HK$4,915/mo
Deposit HK$1.94M · loan HK$17.44M · min. income ≈ HK$186,500/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$726,567 · Scale 2, in force from 26 Feb 2026)