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$43,462
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$44,814
−HK$1,374/mo
Today · 4.125%
HK$46,188
baseline
▲ 0.50% · 4.625%
HK$48,998
+HK$2,810/mo
Deposit HK$9.53M · loan HK$9.53M · min. income ≈ HK$92,376/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$714,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,351
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$49,648
−HK$1,315/mo
Today · 4.125%
HK$50,963
baseline
▲ 0.50% · 4.625%
HK$53,650
+HK$2,687/mo
Deposit HK$9.53M · loan HK$9.53M · min. income ≈ HK$101,926/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$714,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,155
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$53,777
−HK$1,648/mo
Today · 4.125%
HK$55,425
baseline
▲ 0.50% · 4.625%
HK$58,798
+HK$3,373/mo
Deposit HK$7.62M · loan HK$11.44M · min. income ≈ HK$110,850/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$714,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,021
−HK$3,135/mo
▼ 0.25% · 3.875%
HK$59,578
−HK$1,578/mo
Today · 4.125%
HK$61,156
baseline
▲ 0.50% · 4.625%
HK$64,380
+HK$3,224/mo
Deposit HK$7.62M · loan HK$11.44M · min. income ≈ HK$122,312/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$714,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,847
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$62,740
−HK$1,923/mo
Today · 4.125%
HK$64,663
baseline
▲ 0.50% · 4.625%
HK$68,597
+HK$3,934/mo
Deposit HK$5.72M · loan HK$13.34M · min. income ≈ HK$129,326/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,692
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$69,507
−HK$1,842/mo
Today · 4.125%
HK$71,349
baseline
▲ 0.50% · 4.625%
HK$75,110
+HK$3,761/mo
Deposit HK$5.72M · loan HK$13.34M · min. income ≈ HK$142,698/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,232
−HK$4,906/mo
▼ 0.25% · 3.875%
HK$80,665
−HK$2,473/mo
Today · 4.125%
HK$83,138
baseline
▲ 0.50% · 4.625%
HK$88,196
+HK$5,058/mo
Deposit HK$1.91M · loan HK$17.15M · min. income ≈ HK$166,276/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,032
−HK$4,702/mo
▼ 0.25% · 3.875%
HK$89,366
−HK$2,368/mo
Today · 4.125%
HK$91,734
baseline
▲ 0.50% · 4.625%
HK$96,570
+HK$4,836/mo
Deposit HK$1.91M · loan HK$17.15M · min. income ≈ HK$183,468/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,757 · Scale 2, in force from 26 Feb 2026)