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$43,497
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$44,850
−HK$1,375/mo
Today · 4.125%
HK$46,225
baseline
▲ 0.50% · 4.625%
HK$49,037
+HK$2,812/mo
Deposit HK$9.54M · loan HK$9.54M · min. income ≈ HK$92,450/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$715,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,390
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$49,688
−HK$1,316/mo
Today · 4.125%
HK$51,004
baseline
▲ 0.50% · 4.625%
HK$53,693
+HK$2,689/mo
Deposit HK$9.54M · loan HK$9.54M · min. income ≈ HK$102,008/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$715,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,196
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$53,820
−HK$1,650/mo
Today · 4.125%
HK$55,470
baseline
▲ 0.50% · 4.625%
HK$58,845
+HK$3,375/mo
Deposit HK$7.63M · loan HK$11.45M · min. income ≈ HK$110,940/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$715,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,068
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$59,625
−HK$1,580/mo
Today · 4.125%
HK$61,205
baseline
▲ 0.50% · 4.625%
HK$64,431
+HK$3,226/mo
Deposit HK$7.63M · loan HK$11.45M · min. income ≈ HK$122,410/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$715,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,896
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$62,790
−HK$1,924/mo
Today · 4.125%
HK$64,714
baseline
▲ 0.50% · 4.625%
HK$68,652
+HK$3,938/mo
Deposit HK$5.72M · loan HK$13.35M · min. income ≈ HK$129,428/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$715,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,746
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$69,563
−HK$1,843/mo
Today · 4.125%
HK$71,406
baseline
▲ 0.50% · 4.625%
HK$75,170
+HK$3,764/mo
Deposit HK$5.72M · loan HK$13.35M · min. income ≈ HK$142,812/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$715,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,295
−HK$4,909/mo
▼ 0.25% · 3.875%
HK$80,730
−HK$2,474/mo
Today · 4.125%
HK$83,204
baseline
▲ 0.50% · 4.625%
HK$88,267
+HK$5,063/mo
Deposit HK$1.91M · loan HK$17.17M · min. income ≈ HK$166,408/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$715,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,102
−HK$4,706/mo
▼ 0.25% · 3.875%
HK$89,438
−HK$2,370/mo
Today · 4.125%
HK$91,808
baseline
▲ 0.50% · 4.625%
HK$96,647
+HK$4,839/mo
Deposit HK$1.91M · loan HK$17.17M · min. income ≈ HK$183,616/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$715,331 · Scale 2, in force from 26 Feb 2026)