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$43,348
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$44,696
−HK$1,370/mo
Today · 4.125%
HK$46,066
baseline
▲ 0.50% · 4.625%
HK$48,869
+HK$2,803/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$92,132/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$712,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,224
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$49,518
−HK$1,312/mo
Today · 4.125%
HK$50,830
baseline
▲ 0.50% · 4.625%
HK$53,509
+HK$2,679/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$101,660/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$712,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,018
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$53,636
−HK$1,644/mo
Today · 4.125%
HK$55,280
baseline
▲ 0.50% · 4.625%
HK$58,643
+HK$3,363/mo
Deposit HK$7.60M · loan HK$11.41M · min. income ≈ HK$110,560/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$712,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,869
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$59,421
−HK$1,574/mo
Today · 4.125%
HK$60,995
baseline
▲ 0.50% · 4.625%
HK$64,211
+HK$3,216/mo
Deposit HK$7.60M · loan HK$11.41M · min. income ≈ HK$121,990/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$712,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,687
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$62,575
−HK$1,918/mo
Today · 4.125%
HK$64,493
baseline
▲ 0.50% · 4.625%
HK$68,417
+HK$3,924/mo
Deposit HK$5.70M · loan HK$13.31M · min. income ≈ HK$128,986/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$712,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,514
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$69,325
−HK$1,836/mo
Today · 4.125%
HK$71,161
baseline
▲ 0.50% · 4.625%
HK$74,912
+HK$3,751/mo
Deposit HK$5.70M · loan HK$13.31M · min. income ≈ HK$142,322/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$712,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,026
−HK$4,893/mo
▼ 0.25% · 3.875%
HK$80,453
−HK$2,466/mo
Today · 4.125%
HK$82,919
baseline
▲ 0.50% · 4.625%
HK$87,965
+HK$5,046/mo
Deposit HK$1.90M · loan HK$17.11M · min. income ≈ HK$165,838/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,803
−HK$4,690/mo
▼ 0.25% · 3.875%
HK$89,132
−HK$2,361/mo
Today · 4.125%
HK$91,493
baseline
▲ 0.50% · 4.625%
HK$96,316
+HK$4,823/mo
Deposit HK$1.90M · loan HK$17.11M · min. income ≈ HK$182,986/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$712,880 · Scale 2, in force from 26 Feb 2026)