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$43,365
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$44,714
−HK$1,371/mo
Today · 4.125%
HK$46,085
baseline
▲ 0.50% · 4.625%
HK$48,889
+HK$2,804/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$92,170/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$713,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,243
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$49,537
−HK$1,313/mo
Today · 4.125%
HK$50,850
baseline
▲ 0.50% · 4.625%
HK$53,530
+HK$2,680/mo
Deposit HK$9.51M · loan HK$9.51M · min. income ≈ HK$101,700/mo (50% DSR)
Upfront cash ≈ HK$10.22M (deposit + AVD stamp duty HK$713,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,038
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$53,657
−HK$1,645/mo
Today · 4.125%
HK$55,302
baseline
▲ 0.50% · 4.625%
HK$58,667
+HK$3,365/mo
Deposit HK$7.61M · loan HK$11.41M · min. income ≈ HK$110,604/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$713,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,892
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$59,445
−HK$1,575/mo
Today · 4.125%
HK$61,020
baseline
▲ 0.50% · 4.625%
HK$64,236
+HK$3,216/mo
Deposit HK$7.61M · loan HK$11.41M · min. income ≈ HK$122,040/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$713,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,711
−HK$3,807/mo
▼ 0.25% · 3.875%
HK$62,600
−HK$1,918/mo
Today · 4.125%
HK$64,518
baseline
▲ 0.50% · 4.625%
HK$68,444
+HK$3,926/mo
Deposit HK$5.71M · loan HK$13.31M · min. income ≈ HK$129,036/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,541
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$69,352
−HK$1,838/mo
Today · 4.125%
HK$71,190
baseline
▲ 0.50% · 4.625%
HK$74,942
+HK$3,752/mo
Deposit HK$5.71M · loan HK$13.31M · min. income ≈ HK$142,380/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,057
−HK$4,895/mo
▼ 0.25% · 3.875%
HK$80,485
−HK$2,467/mo
Today · 4.125%
HK$82,952
baseline
▲ 0.50% · 4.625%
HK$88,000
+HK$5,048/mo
Deposit HK$1.90M · loan HK$17.12M · min. income ≈ HK$165,904/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$713,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,838
−HK$4,692/mo
▼ 0.25% · 3.875%
HK$89,167
−HK$2,363/mo
Today · 4.125%
HK$91,530
baseline
▲ 0.50% · 4.625%
HK$96,354
+HK$4,824/mo
Deposit HK$1.90M · loan HK$17.12M · min. income ≈ HK$183,060/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$713,165 · Scale 2, in force from 26 Feb 2026)