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$43,478
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$44,830
−HK$1,374/mo
Today · 4.125%
HK$46,204
baseline
▲ 0.50% · 4.625%
HK$49,015
+HK$2,811/mo
Deposit HK$9.53M · loan HK$9.53M · min. income ≈ HK$92,408/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$715,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,368
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$49,666
−HK$1,316/mo
Today · 4.125%
HK$50,982
baseline
▲ 0.50% · 4.625%
HK$53,669
+HK$2,687/mo
Deposit HK$9.53M · loan HK$9.53M · min. income ≈ HK$101,964/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$715,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,173
−HK$3,272/mo
▼ 0.25% · 3.875%
HK$53,796
−HK$1,649/mo
Today · 4.125%
HK$55,445
baseline
▲ 0.50% · 4.625%
HK$58,819
+HK$3,374/mo
Deposit HK$7.63M · loan HK$11.44M · min. income ≈ HK$110,890/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$715,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,042
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$59,599
−HK$1,579/mo
Today · 4.125%
HK$61,178
baseline
▲ 0.50% · 4.625%
HK$64,403
+HK$3,225/mo
Deposit HK$7.63M · loan HK$11.44M · min. income ≈ HK$122,356/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$715,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,869
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$62,762
−HK$1,924/mo
Today · 4.125%
HK$64,686
baseline
▲ 0.50% · 4.625%
HK$68,622
+HK$3,936/mo
Deposit HK$5.72M · loan HK$13.35M · min. income ≈ HK$129,372/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$715,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,716
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$69,532
−HK$1,842/mo
Today · 4.125%
HK$71,374
baseline
▲ 0.50% · 4.625%
HK$75,136
+HK$3,762/mo
Deposit HK$5.72M · loan HK$13.35M · min. income ≈ HK$142,748/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$715,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,260
−HK$4,907/mo
▼ 0.25% · 3.875%
HK$80,694
−HK$2,473/mo
Today · 4.125%
HK$83,167
baseline
▲ 0.50% · 4.625%
HK$88,228
+HK$5,061/mo
Deposit HK$1.91M · loan HK$17.16M · min. income ≈ HK$166,334/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$715,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,063
−HK$4,704/mo
▼ 0.25% · 3.875%
HK$89,398
−HK$2,369/mo
Today · 4.125%
HK$91,767
baseline
▲ 0.50% · 4.625%
HK$96,604
+HK$4,837/mo
Deposit HK$1.91M · loan HK$17.16M · min. income ≈ HK$183,534/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$715,012 · Scale 2, in force from 26 Feb 2026)