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$43,530
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$44,884
−HK$1,376/mo
Today · 4.125%
HK$46,260
baseline
▲ 0.50% · 4.625%
HK$49,075
+HK$2,815/mo
Deposit HK$9.55M · loan HK$9.55M · min. income ≈ HK$92,520/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$715,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,427
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$49,726
−HK$1,318/mo
Today · 4.125%
HK$51,044
baseline
▲ 0.50% · 4.625%
HK$53,734
+HK$2,690/mo
Deposit HK$9.55M · loan HK$9.55M · min. income ≈ HK$102,088/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$715,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,237
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$53,861
−HK$1,651/mo
Today · 4.125%
HK$55,512
baseline
▲ 0.50% · 4.625%
HK$58,890
+HK$3,378/mo
Deposit HK$7.64M · loan HK$11.45M · min. income ≈ HK$111,024/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$715,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,113
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$59,671
−HK$1,581/mo
Today · 4.125%
HK$61,252
baseline
▲ 0.50% · 4.625%
HK$64,481
+HK$3,229/mo
Deposit HK$7.64M · loan HK$11.45M · min. income ≈ HK$122,504/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$715,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,943
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$62,838
−HK$1,926/mo
Today · 4.125%
HK$64,764
baseline
▲ 0.50% · 4.625%
HK$68,705
+HK$3,941/mo
Deposit HK$5.73M · loan HK$13.36M · min. income ≈ HK$129,528/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$715,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,798
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$69,616
−HK$1,845/mo
Today · 4.125%
HK$71,461
baseline
▲ 0.50% · 4.625%
HK$75,228
+HK$3,767/mo
Deposit HK$5.73M · loan HK$13.36M · min. income ≈ HK$142,922/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$715,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,355
−HK$4,913/mo
▼ 0.25% · 3.875%
HK$80,792
−HK$2,476/mo
Today · 4.125%
HK$83,268
baseline
▲ 0.50% · 4.625%
HK$88,335
+HK$5,067/mo
Deposit HK$1.91M · loan HK$17.18M · min. income ≈ HK$166,536/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$715,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,169
−HK$4,709/mo
▼ 0.25% · 3.875%
HK$89,507
−HK$2,371/mo
Today · 4.125%
HK$91,878
baseline
▲ 0.50% · 4.625%
HK$96,721
+HK$4,843/mo
Deposit HK$1.91M · loan HK$17.18M · min. income ≈ HK$183,756/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$715,881 · Scale 2, in force from 26 Feb 2026)