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$43,468
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$44,820
−HK$1,374/mo
Today · 4.125%
HK$46,194
baseline
▲ 0.50% · 4.625%
HK$49,005
+HK$2,811/mo
Deposit HK$9.53M · loan HK$9.53M · min. income ≈ HK$92,388/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$714,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,358
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$49,655
−HK$1,315/mo
Today · 4.125%
HK$50,970
baseline
▲ 0.50% · 4.625%
HK$53,657
+HK$2,687/mo
Deposit HK$9.53M · loan HK$9.53M · min. income ≈ HK$101,940/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$714,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,162
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$53,784
−HK$1,649/mo
Today · 4.125%
HK$55,433
baseline
▲ 0.50% · 4.625%
HK$58,806
+HK$3,373/mo
Deposit HK$7.63M · loan HK$11.44M · min. income ≈ HK$110,866/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$714,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,029
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$59,586
−HK$1,579/mo
Today · 4.125%
HK$61,165
baseline
▲ 0.50% · 4.625%
HK$64,389
+HK$3,224/mo
Deposit HK$7.63M · loan HK$11.44M · min. income ≈ HK$122,330/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$714,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,855
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$62,748
−HK$1,923/mo
Today · 4.125%
HK$64,671
baseline
▲ 0.50% · 4.625%
HK$68,607
+HK$3,936/mo
Deposit HK$5.72M · loan HK$13.34M · min. income ≈ HK$129,342/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,701
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$69,517
−HK$1,842/mo
Today · 4.125%
HK$71,359
baseline
▲ 0.50% · 4.625%
HK$75,120
+HK$3,761/mo
Deposit HK$5.72M · loan HK$13.34M · min. income ≈ HK$142,718/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,243
−HK$4,906/mo
▼ 0.25% · 3.875%
HK$80,676
−HK$2,473/mo
Today · 4.125%
HK$83,149
baseline
▲ 0.50% · 4.625%
HK$88,208
+HK$5,059/mo
Deposit HK$1.91M · loan HK$17.16M · min. income ≈ HK$166,298/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,044
−HK$4,703/mo
▼ 0.25% · 3.875%
HK$89,379
−HK$2,368/mo
Today · 4.125%
HK$91,747
baseline
▲ 0.50% · 4.625%
HK$96,583
+HK$4,836/mo
Deposit HK$1.91M · loan HK$17.16M · min. income ≈ HK$183,494/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,856 · Scale 2, in force from 26 Feb 2026)