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$43,259
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$44,605
−HK$1,367/mo
Today · 4.125%
HK$45,972
baseline
▲ 0.50% · 4.625%
HK$48,769
+HK$2,797/mo
Deposit HK$9.49M · loan HK$9.49M · min. income ≈ HK$91,944/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$711,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,125
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$49,416
−HK$1,310/mo
Today · 4.125%
HK$50,726
baseline
▲ 0.50% · 4.625%
HK$53,399
+HK$2,673/mo
Deposit HK$9.49M · loan HK$9.49M · min. income ≈ HK$101,452/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$711,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,911
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$53,526
−HK$1,640/mo
Today · 4.125%
HK$55,166
baseline
▲ 0.50% · 4.625%
HK$58,523
+HK$3,357/mo
Deposit HK$7.59M · loan HK$11.38M · min. income ≈ HK$110,332/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$711,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,751
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$59,299
−HK$1,572/mo
Today · 4.125%
HK$60,871
baseline
▲ 0.50% · 4.625%
HK$64,079
+HK$3,208/mo
Deposit HK$7.59M · loan HK$11.38M · min. income ≈ HK$121,742/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$711,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,563
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$62,447
−HK$1,914/mo
Today · 4.125%
HK$64,361
baseline
▲ 0.50% · 4.625%
HK$68,277
+HK$3,916/mo
Deposit HK$5.69M · loan HK$13.28M · min. income ≈ HK$128,722/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$711,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,376
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$69,183
−HK$1,833/mo
Today · 4.125%
HK$71,016
baseline
▲ 0.50% · 4.625%
HK$74,759
+HK$3,743/mo
Deposit HK$5.69M · loan HK$13.28M · min. income ≈ HK$142,032/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$711,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,867
−HK$4,883/mo
▼ 0.25% · 3.875%
HK$80,289
−HK$2,461/mo
Today · 4.125%
HK$82,750
baseline
▲ 0.50% · 4.625%
HK$87,785
+HK$5,035/mo
Deposit HK$1.90M · loan HK$17.07M · min. income ≈ HK$165,500/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,626
−HK$4,680/mo
▼ 0.25% · 3.875%
HK$88,949
−HK$2,357/mo
Today · 4.125%
HK$91,306
baseline
▲ 0.50% · 4.625%
HK$96,119
+HK$4,813/mo
Deposit HK$1.90M · loan HK$17.07M · min. income ≈ HK$182,612/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,421 · Scale 2, in force from 26 Feb 2026)