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$43,462
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$44,813
−HK$1,374/mo
Today · 4.125%
HK$46,187
baseline
▲ 0.50% · 4.625%
HK$48,997
+HK$2,810/mo
Deposit HK$9.53M · loan HK$9.53M · min. income ≈ HK$92,374/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$714,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,350
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$49,647
−HK$1,316/mo
Today · 4.125%
HK$50,963
baseline
▲ 0.50% · 4.625%
HK$53,649
+HK$2,686/mo
Deposit HK$9.53M · loan HK$9.53M · min. income ≈ HK$101,926/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$714,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,154
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$53,776
−HK$1,648/mo
Today · 4.125%
HK$55,424
baseline
▲ 0.50% · 4.625%
HK$58,797
+HK$3,373/mo
Deposit HK$7.62M · loan HK$11.44M · min. income ≈ HK$110,848/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$714,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,021
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$59,577
−HK$1,578/mo
Today · 4.125%
HK$61,155
baseline
▲ 0.50% · 4.625%
HK$64,379
+HK$3,224/mo
Deposit HK$7.62M · loan HK$11.44M · min. income ≈ HK$122,310/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$714,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,846
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$62,739
−HK$1,923/mo
Today · 4.125%
HK$64,662
baseline
▲ 0.50% · 4.625%
HK$68,596
+HK$3,934/mo
Deposit HK$5.72M · loan HK$13.34M · min. income ≈ HK$129,324/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,691
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$69,506
−HK$1,842/mo
Today · 4.125%
HK$71,348
baseline
▲ 0.50% · 4.625%
HK$75,109
+HK$3,761/mo
Deposit HK$5.72M · loan HK$13.34M · min. income ≈ HK$142,696/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,231
−HK$4,905/mo
▼ 0.25% · 3.875%
HK$80,664
−HK$2,472/mo
Today · 4.125%
HK$83,136
baseline
▲ 0.50% · 4.625%
HK$88,195
+HK$5,059/mo
Deposit HK$1.91M · loan HK$17.15M · min. income ≈ HK$166,272/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,031
−HK$4,702/mo
▼ 0.25% · 3.875%
HK$89,365
−HK$2,368/mo
Today · 4.125%
HK$91,733
baseline
▲ 0.50% · 4.625%
HK$96,568
+HK$4,835/mo
Deposit HK$1.91M · loan HK$17.15M · min. income ≈ HK$183,466/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,747 · Scale 2, in force from 26 Feb 2026)