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$43,265
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$44,611
−HK$1,367/mo
Today · 4.125%
HK$45,978
baseline
▲ 0.50% · 4.625%
HK$48,776
+HK$2,798/mo
Deposit HK$9.49M · loan HK$9.49M · min. income ≈ HK$91,956/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$711,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,132
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$49,423
−HK$1,309/mo
Today · 4.125%
HK$50,732
baseline
▲ 0.50% · 4.625%
HK$53,406
+HK$2,674/mo
Deposit HK$9.49M · loan HK$9.49M · min. income ≈ HK$101,464/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$711,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,918
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$53,533
−HK$1,641/mo
Today · 4.125%
HK$55,174
baseline
▲ 0.50% · 4.625%
HK$58,531
+HK$3,357/mo
Deposit HK$7.59M · loan HK$11.38M · min. income ≈ HK$110,348/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$711,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,758
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$59,307
−HK$1,572/mo
Today · 4.125%
HK$60,879
baseline
▲ 0.50% · 4.625%
HK$64,088
+HK$3,209/mo
Deposit HK$7.59M · loan HK$11.38M · min. income ≈ HK$121,758/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$711,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,571
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$62,455
−HK$1,914/mo
Today · 4.125%
HK$64,369
baseline
▲ 0.50% · 4.625%
HK$68,286
+HK$3,917/mo
Deposit HK$5.69M · loan HK$13.28M · min. income ≈ HK$128,738/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$711,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,385
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$69,192
−HK$1,833/mo
Today · 4.125%
HK$71,025
baseline
▲ 0.50% · 4.625%
HK$74,769
+HK$3,744/mo
Deposit HK$5.69M · loan HK$13.28M · min. income ≈ HK$142,050/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$711,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,877
−HK$4,883/mo
▼ 0.25% · 3.875%
HK$80,299
−HK$2,461/mo
Today · 4.125%
HK$82,760
baseline
▲ 0.50% · 4.625%
HK$87,796
+HK$5,036/mo
Deposit HK$1.90M · loan HK$17.08M · min. income ≈ HK$165,520/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,637
−HK$4,681/mo
▼ 0.25% · 3.875%
HK$88,961
−HK$2,357/mo
Today · 4.125%
HK$91,318
baseline
▲ 0.50% · 4.625%
HK$96,132
+HK$4,814/mo
Deposit HK$1.90M · loan HK$17.08M · min. income ≈ HK$182,636/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,515 · Scale 2, in force from 26 Feb 2026)