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$43,427
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$44,778
−HK$1,372/mo
Today · 4.125%
HK$46,150
baseline
▲ 0.50% · 4.625%
HK$48,958
+HK$2,808/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$92,300/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$714,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,312
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,608
−HK$1,314/mo
Today · 4.125%
HK$50,922
baseline
▲ 0.50% · 4.625%
HK$53,606
+HK$2,684/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$101,844/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$714,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,112
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$53,733
−HK$1,647/mo
Today · 4.125%
HK$55,380
baseline
▲ 0.50% · 4.625%
HK$58,750
+HK$3,370/mo
Deposit HK$7.62M · loan HK$11.43M · min. income ≈ HK$110,760/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$714,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,974
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$59,529
−HK$1,577/mo
Today · 4.125%
HK$61,106
baseline
▲ 0.50% · 4.625%
HK$64,327
+HK$3,221/mo
Deposit HK$7.62M · loan HK$11.43M · min. income ≈ HK$122,212/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$714,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,797
−HK$3,813/mo
▼ 0.25% · 3.875%
HK$62,689
−HK$1,921/mo
Today · 4.125%
HK$64,610
baseline
▲ 0.50% · 4.625%
HK$68,541
+HK$3,931/mo
Deposit HK$5.71M · loan HK$13.33M · min. income ≈ HK$129,220/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,637
−HK$3,654/mo
▼ 0.25% · 3.875%
HK$69,451
−HK$1,840/mo
Today · 4.125%
HK$71,291
baseline
▲ 0.50% · 4.625%
HK$75,049
+HK$3,758/mo
Deposit HK$5.71M · loan HK$13.33M · min. income ≈ HK$142,582/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,168
−HK$4,902/mo
▼ 0.25% · 3.875%
HK$80,600
−HK$2,470/mo
Today · 4.125%
HK$83,070
baseline
▲ 0.50% · 4.625%
HK$88,125
+HK$5,055/mo
Deposit HK$1.90M · loan HK$17.14M · min. income ≈ HK$166,140/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,961
−HK$4,699/mo
▼ 0.25% · 3.875%
HK$89,294
−HK$2,366/mo
Today · 4.125%
HK$91,660
baseline
▲ 0.50% · 4.625%
HK$96,491
+HK$4,831/mo
Deposit HK$1.90M · loan HK$17.14M · min. income ≈ HK$183,320/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,176 · Scale 2, in force from 26 Feb 2026)