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$43,258
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$44,604
−HK$1,367/mo
Today · 4.125%
HK$45,971
baseline
▲ 0.50% · 4.625%
HK$48,768
+HK$2,797/mo
Deposit HK$9.49M · loan HK$9.49M · min. income ≈ HK$91,942/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$711,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,125
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$49,415
−HK$1,310/mo
Today · 4.125%
HK$50,725
baseline
▲ 0.50% · 4.625%
HK$53,398
+HK$2,673/mo
Deposit HK$9.49M · loan HK$9.49M · min. income ≈ HK$101,450/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$711,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,910
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$53,525
−HK$1,640/mo
Today · 4.125%
HK$55,165
baseline
▲ 0.50% · 4.625%
HK$58,522
+HK$3,357/mo
Deposit HK$7.59M · loan HK$11.38M · min. income ≈ HK$110,330/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$711,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,749
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$59,298
−HK$1,572/mo
Today · 4.125%
HK$60,870
baseline
▲ 0.50% · 4.625%
HK$64,078
+HK$3,208/mo
Deposit HK$7.59M · loan HK$11.38M · min. income ≈ HK$121,740/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$711,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,562
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$62,446
−HK$1,914/mo
Today · 4.125%
HK$64,360
baseline
▲ 0.50% · 4.625%
HK$68,276
+HK$3,916/mo
Deposit HK$5.69M · loan HK$13.28M · min. income ≈ HK$128,720/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$711,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,374
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$69,181
−HK$1,833/mo
Today · 4.125%
HK$71,014
baseline
▲ 0.50% · 4.625%
HK$74,758
+HK$3,744/mo
Deposit HK$5.69M · loan HK$13.28M · min. income ≈ HK$142,028/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$711,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,865
−HK$4,883/mo
▼ 0.25% · 3.875%
HK$80,287
−HK$2,461/mo
Today · 4.125%
HK$82,748
baseline
▲ 0.50% · 4.625%
HK$87,783
+HK$5,035/mo
Deposit HK$1.90M · loan HK$17.07M · min. income ≈ HK$165,496/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,624
−HK$4,680/mo
▼ 0.25% · 3.875%
HK$88,947
−HK$2,357/mo
Today · 4.125%
HK$91,304
baseline
▲ 0.50% · 4.625%
HK$96,117
+HK$4,813/mo
Deposit HK$1.90M · loan HK$17.07M · min. income ≈ HK$182,608/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,408 · Scale 2, in force from 26 Feb 2026)