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$43,542
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$44,896
−HK$1,376/mo
Today · 4.125%
HK$46,272
baseline
▲ 0.50% · 4.625%
HK$49,088
+HK$2,816/mo
Deposit HK$9.55M · loan HK$9.55M · min. income ≈ HK$92,544/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$716,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,440
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$49,739
−HK$1,318/mo
Today · 4.125%
HK$51,057
baseline
▲ 0.50% · 4.625%
HK$53,748
+HK$2,691/mo
Deposit HK$9.55M · loan HK$9.55M · min. income ≈ HK$102,114/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$716,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,250
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$53,876
−HK$1,651/mo
Today · 4.125%
HK$55,527
baseline
▲ 0.50% · 4.625%
HK$58,906
+HK$3,379/mo
Deposit HK$7.64M · loan HK$11.46M · min. income ≈ HK$111,054/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$716,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,128
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$59,687
−HK$1,582/mo
Today · 4.125%
HK$61,269
baseline
▲ 0.50% · 4.625%
HK$64,498
+HK$3,229/mo
Deposit HK$7.64M · loan HK$11.46M · min. income ≈ HK$122,538/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$716,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,959
−HK$3,822/mo
▼ 0.25% · 3.875%
HK$62,855
−HK$1,926/mo
Today · 4.125%
HK$64,781
baseline
▲ 0.50% · 4.625%
HK$68,723
+HK$3,942/mo
Deposit HK$5.73M · loan HK$13.37M · min. income ≈ HK$129,562/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$716,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,816
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$69,635
−HK$1,845/mo
Today · 4.125%
HK$71,480
baseline
▲ 0.50% · 4.625%
HK$75,248
+HK$3,768/mo
Deposit HK$5.73M · loan HK$13.37M · min. income ≈ HK$142,960/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$716,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,376
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$80,814
−HK$2,476/mo
Today · 4.125%
HK$83,290
baseline
▲ 0.50% · 4.625%
HK$88,359
+HK$5,069/mo
Deposit HK$1.91M · loan HK$17.19M · min. income ≈ HK$166,580/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,192
−HK$4,711/mo
▼ 0.25% · 3.875%
HK$89,531
−HK$2,372/mo
Today · 4.125%
HK$91,903
baseline
▲ 0.50% · 4.625%
HK$96,747
+HK$4,844/mo
Deposit HK$1.91M · loan HK$17.19M · min. income ≈ HK$183,806/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,072 · Scale 2, in force from 26 Feb 2026)