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$9.54M · loan HK$9.54M · min. income ≈ HK$92,520/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$715,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,427
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$49,725
−HK$1,318/mo
Today · 4.125%
HK$51,043
baseline
▲ 0.50% · 4.625%
HK$53,734
+HK$2,691/mo
Deposit HK$9.54M · loan HK$9.54M · min. income ≈ HK$102,086/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$715,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,236
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$53,861
−HK$1,651/mo
Today · 4.125%
HK$55,512
baseline
▲ 0.50% · 4.625%
HK$58,889
+HK$3,377/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$715,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,112
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$59,671
−HK$1,581/mo
Today · 4.125%
HK$61,252
baseline
▲ 0.50% · 4.625%
HK$64,480
+HK$3,228/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$715,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,942
−HK$3,822/mo
▼ 0.25% · 3.875%
HK$62,838
−HK$1,926/mo
Today · 4.125%
HK$64,764
baseline
▲ 0.50% · 4.625%
HK$68,704
+HK$3,940/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$715,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,797
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$69,616
−HK$1,844/mo
Today · 4.125%
HK$71,460
baseline
▲ 0.50% · 4.625%
HK$75,227
+HK$3,767/mo
Deposit HK$5.73M · loan HK$13.36M · min. income ≈ HK$142,920/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$715,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,354
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$80,791
−HK$2,477/mo
Today · 4.125%
HK$83,268
baseline
▲ 0.50% · 4.625%
HK$88,334
+HK$5,066/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$715,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,168
−HK$4,709/mo
▼ 0.25% · 3.875%
HK$89,506
−HK$2,371/mo
Today · 4.125%
HK$91,877
baseline
▲ 0.50% · 4.625%
HK$96,720
+HK$4,843/mo
Deposit HK$1.91M · loan HK$17.18M · min. income ≈ HK$183,754/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$715,874 · Scale 2, in force from 26 Feb 2026)