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$43,471
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$44,824
−HK$1,373/mo
Today · 4.125%
HK$46,197
baseline
▲ 0.50% · 4.625%
HK$49,008
+HK$2,811/mo
Deposit HK$9.53M · loan HK$9.53M · min. income ≈ HK$92,394/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$714,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,362
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$49,659
−HK$1,315/mo
Today · 4.125%
HK$50,974
baseline
▲ 0.50% · 4.625%
HK$53,661
+HK$2,687/mo
Deposit HK$9.53M · loan HK$9.53M · min. income ≈ HK$101,948/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$714,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,166
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$53,788
−HK$1,649/mo
Today · 4.125%
HK$55,437
baseline
▲ 0.50% · 4.625%
HK$58,810
+HK$3,373/mo
Deposit HK$7.63M · loan HK$11.44M · min. income ≈ HK$110,874/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$714,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,034
−HK$3,135/mo
▼ 0.25% · 3.875%
HK$59,590
−HK$1,579/mo
Today · 4.125%
HK$61,169
baseline
▲ 0.50% · 4.625%
HK$64,394
+HK$3,225/mo
Deposit HK$7.63M · loan HK$11.44M · min. income ≈ HK$122,338/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$714,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,860
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$62,753
−HK$1,923/mo
Today · 4.125%
HK$64,676
baseline
▲ 0.50% · 4.625%
HK$68,612
+HK$3,936/mo
Deposit HK$5.72M · loan HK$13.34M · min. income ≈ HK$129,352/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,706
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$69,522
−HK$1,842/mo
Today · 4.125%
HK$71,364
baseline
▲ 0.50% · 4.625%
HK$75,126
+HK$3,762/mo
Deposit HK$5.72M · loan HK$13.34M · min. income ≈ HK$142,728/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,249
−HK$4,906/mo
▼ 0.25% · 3.875%
HK$80,683
−HK$2,472/mo
Today · 4.125%
HK$83,155
baseline
▲ 0.50% · 4.625%
HK$88,215
+HK$5,060/mo
Deposit HK$1.91M · loan HK$17.16M · min. income ≈ HK$166,310/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,051
−HK$4,703/mo
▼ 0.25% · 3.875%
HK$89,385
−HK$2,369/mo
Today · 4.125%
HK$91,754
baseline
▲ 0.50% · 4.625%
HK$96,590
+HK$4,836/mo
Deposit HK$1.91M · loan HK$17.16M · min. income ≈ HK$183,508/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,910 · Scale 2, in force from 26 Feb 2026)