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$43,546
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$44,900
−HK$1,376/mo
Today · 4.125%
HK$46,276
baseline
▲ 0.50% · 4.625%
HK$49,092
+HK$2,816/mo
Deposit HK$9.55M · loan HK$9.55M · min. income ≈ HK$92,552/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$716,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,444
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$49,743
−HK$1,319/mo
Today · 4.125%
HK$51,062
baseline
▲ 0.50% · 4.625%
HK$53,753
+HK$2,691/mo
Deposit HK$9.55M · loan HK$9.55M · min. income ≈ HK$102,124/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$716,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,255
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$53,880
−HK$1,652/mo
Today · 4.125%
HK$55,532
baseline
▲ 0.50% · 4.625%
HK$58,911
+HK$3,379/mo
Deposit HK$7.64M · loan HK$11.46M · min. income ≈ HK$111,064/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$716,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,133
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$59,692
−HK$1,582/mo
Today · 4.125%
HK$61,274
baseline
▲ 0.50% · 4.625%
HK$64,504
+HK$3,230/mo
Deposit HK$7.64M · loan HK$11.46M · min. income ≈ HK$122,548/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$716,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,964
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$62,860
−HK$1,927/mo
Today · 4.125%
HK$64,787
baseline
▲ 0.50% · 4.625%
HK$68,729
+HK$3,942/mo
Deposit HK$5.73M · loan HK$13.37M · min. income ≈ HK$129,574/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,822
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$69,641
−HK$1,845/mo
Today · 4.125%
HK$71,486
baseline
▲ 0.50% · 4.625%
HK$75,254
+HK$3,768/mo
Deposit HK$5.73M · loan HK$13.37M · min. income ≈ HK$142,972/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,382
−HK$4,916/mo
▼ 0.25% · 3.875%
HK$80,821
−HK$2,477/mo
Today · 4.125%
HK$83,298
baseline
▲ 0.50% · 4.625%
HK$88,366
+HK$5,068/mo
Deposit HK$1.91M · loan HK$17.19M · min. income ≈ HK$166,596/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,200
−HK$4,711/mo
▼ 0.25% · 3.875%
HK$89,538
−HK$2,373/mo
Today · 4.125%
HK$91,911
baseline
▲ 0.50% · 4.625%
HK$96,755
+HK$4,844/mo
Deposit HK$1.91M · loan HK$17.19M · min. income ≈ HK$183,822/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,133 · Scale 2, in force from 26 Feb 2026)