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$43,562
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$44,917
−HK$1,377/mo
Today · 4.125%
HK$46,294
baseline
▲ 0.50% · 4.625%
HK$49,111
+HK$2,817/mo
Deposit HK$9.55M · loan HK$9.55M · min. income ≈ HK$92,588/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$716,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,462
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$49,762
−HK$1,319/mo
Today · 4.125%
HK$51,081
baseline
▲ 0.50% · 4.625%
HK$53,773
+HK$2,692/mo
Deposit HK$9.55M · loan HK$9.55M · min. income ≈ HK$102,162/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$716,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,274
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$53,901
−HK$1,652/mo
Today · 4.125%
HK$55,553
baseline
▲ 0.50% · 4.625%
HK$58,933
+HK$3,380/mo
Deposit HK$7.64M · loan HK$11.46M · min. income ≈ HK$111,106/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,155
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$59,715
−HK$1,582/mo
Today · 4.125%
HK$61,297
baseline
▲ 0.50% · 4.625%
HK$64,528
+HK$3,231/mo
Deposit HK$7.64M · loan HK$11.46M · min. income ≈ HK$122,594/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,987
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$62,884
−HK$1,927/mo
Today · 4.125%
HK$64,811
baseline
▲ 0.50% · 4.625%
HK$68,755
+HK$3,944/mo
Deposit HK$5.73M · loan HK$13.37M · min. income ≈ HK$129,622/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,847
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$69,667
−HK$1,846/mo
Today · 4.125%
HK$71,513
baseline
▲ 0.50% · 4.625%
HK$75,282
+HK$3,769/mo
Deposit HK$5.73M · loan HK$13.37M · min. income ≈ HK$143,026/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,412
−HK$4,917/mo
▼ 0.25% · 3.875%
HK$80,851
−HK$2,478/mo
Today · 4.125%
HK$83,329
baseline
▲ 0.50% · 4.625%
HK$88,399
+HK$5,070/mo
Deposit HK$1.91M · loan HK$17.19M · min. income ≈ HK$166,658/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,232
−HK$4,713/mo
▼ 0.25% · 3.875%
HK$89,572
−HK$2,373/mo
Today · 4.125%
HK$91,945
baseline
▲ 0.50% · 4.625%
HK$96,792
+HK$4,847/mo
Deposit HK$1.91M · loan HK$17.19M · min. income ≈ HK$183,890/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,401 · Scale 2, in force from 26 Feb 2026)