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$43,249
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$44,595
−HK$1,366/mo
Today · 4.125%
HK$45,961
baseline
▲ 0.50% · 4.625%
HK$48,758
+HK$2,797/mo
Deposit HK$9.48M · loan HK$9.48M · min. income ≈ HK$91,922/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$711,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,114
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$49,405
−HK$1,309/mo
Today · 4.125%
HK$50,714
baseline
▲ 0.50% · 4.625%
HK$53,387
+HK$2,673/mo
Deposit HK$9.48M · loan HK$9.48M · min. income ≈ HK$101,428/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$711,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,899
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$53,513
−HK$1,641/mo
Today · 4.125%
HK$55,154
baseline
▲ 0.50% · 4.625%
HK$58,510
+HK$3,356/mo
Deposit HK$7.59M · loan HK$11.38M · min. income ≈ HK$110,308/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$711,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,737
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$59,286
−HK$1,571/mo
Today · 4.125%
HK$60,857
baseline
▲ 0.50% · 4.625%
HK$64,064
+HK$3,207/mo
Deposit HK$7.59M · loan HK$11.38M · min. income ≈ HK$121,714/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$711,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,549
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$62,432
−HK$1,914/mo
Today · 4.125%
HK$64,346
baseline
▲ 0.50% · 4.625%
HK$68,261
+HK$3,915/mo
Deposit HK$5.69M · loan HK$13.28M · min. income ≈ HK$128,692/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$711,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,360
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$69,167
−HK$1,832/mo
Today · 4.125%
HK$70,999
baseline
▲ 0.50% · 4.625%
HK$74,742
+HK$3,743/mo
Deposit HK$5.69M · loan HK$13.28M · min. income ≈ HK$141,998/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$711,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,849
−HK$4,882/mo
▼ 0.25% · 3.875%
HK$80,270
−HK$2,461/mo
Today · 4.125%
HK$82,731
baseline
▲ 0.50% · 4.625%
HK$87,764
+HK$5,033/mo
Deposit HK$1.90M · loan HK$17.07M · min. income ≈ HK$165,462/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,606
−HK$4,679/mo
▼ 0.25% · 3.875%
HK$88,929
−HK$2,356/mo
Today · 4.125%
HK$91,285
baseline
▲ 0.50% · 4.625%
HK$96,097
+HK$4,812/mo
Deposit HK$1.90M · loan HK$17.07M · min. income ≈ HK$182,570/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,257 · Scale 2, in force from 26 Feb 2026)