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$43,577
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$44,933
−HK$1,377/mo
Today · 4.125%
HK$46,310
baseline
▲ 0.50% · 4.625%
HK$49,128
+HK$2,818/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$92,620/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$716,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,479
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$49,780
−HK$1,319/mo
Today · 4.125%
HK$51,099
baseline
▲ 0.50% · 4.625%
HK$53,792
+HK$2,693/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$102,198/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$716,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,293
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$53,920
−HK$1,652/mo
Today · 4.125%
HK$55,572
baseline
▲ 0.50% · 4.625%
HK$58,954
+HK$3,382/mo
Deposit HK$7.64M · loan HK$11.47M · min. income ≈ HK$111,144/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,175
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$59,736
−HK$1,582/mo
Today · 4.125%
HK$61,318
baseline
▲ 0.50% · 4.625%
HK$64,551
+HK$3,233/mo
Deposit HK$7.64M · loan HK$11.47M · min. income ≈ HK$122,636/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,008
−HK$3,826/mo
▼ 0.25% · 3.875%
HK$62,906
−HK$1,928/mo
Today · 4.125%
HK$64,834
baseline
▲ 0.50% · 4.625%
HK$68,779
+HK$3,945/mo
Deposit HK$5.73M · loan HK$13.38M · min. income ≈ HK$129,668/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,871
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$69,692
−HK$1,846/mo
Today · 4.125%
HK$71,538
baseline
▲ 0.50% · 4.625%
HK$75,309
+HK$3,771/mo
Deposit HK$5.73M · loan HK$13.38M · min. income ≈ HK$143,076/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,439
−HK$4,919/mo
▼ 0.25% · 3.875%
HK$80,879
−HK$2,479/mo
Today · 4.125%
HK$83,358
baseline
▲ 0.50% · 4.625%
HK$88,430
+HK$5,072/mo
Deposit HK$1.91M · loan HK$17.20M · min. income ≈ HK$166,716/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,263
−HK$4,715/mo
▼ 0.25% · 3.875%
HK$89,603
−HK$2,375/mo
Today · 4.125%
HK$91,978
baseline
▲ 0.50% · 4.625%
HK$96,826
+HK$4,848/mo
Deposit HK$1.91M · loan HK$17.20M · min. income ≈ HK$183,956/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,654 · Scale 2, in force from 26 Feb 2026)