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$43,620
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$44,977
−HK$1,379/mo
Today · 4.125%
HK$46,356
baseline
▲ 0.50% · 4.625%
HK$49,176
+HK$2,820/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$92,712/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$717,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,527
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$49,829
−HK$1,320/mo
Today · 4.125%
HK$51,149
baseline
▲ 0.50% · 4.625%
HK$53,845
+HK$2,696/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$102,298/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$717,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,344
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$53,973
−HK$1,654/mo
Today · 4.125%
HK$55,627
baseline
▲ 0.50% · 4.625%
HK$59,012
+HK$3,385/mo
Deposit HK$7.65M · loan HK$11.48M · min. income ≈ HK$111,254/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,233
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$59,794
−HK$1,585/mo
Today · 4.125%
HK$61,379
baseline
▲ 0.50% · 4.625%
HK$64,614
+HK$3,235/mo
Deposit HK$7.65M · loan HK$11.48M · min. income ≈ HK$122,758/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$717,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,069
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$62,968
−HK$1,930/mo
Today · 4.125%
HK$64,898
baseline
▲ 0.50% · 4.625%
HK$68,847
+HK$3,949/mo
Deposit HK$5.74M · loan HK$13.39M · min. income ≈ HK$129,796/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,938
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$69,760
−HK$1,849/mo
Today · 4.125%
HK$71,609
baseline
▲ 0.50% · 4.625%
HK$75,383
+HK$3,774/mo
Deposit HK$5.74M · loan HK$13.39M · min. income ≈ HK$143,218/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$717,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,517
−HK$4,923/mo
▼ 0.25% · 3.875%
HK$80,959
−HK$2,481/mo
Today · 4.125%
HK$83,440
baseline
▲ 0.50% · 4.625%
HK$88,518
+HK$5,078/mo
Deposit HK$1.91M · loan HK$17.22M · min. income ≈ HK$166,880/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,349
−HK$4,719/mo
▼ 0.25% · 3.875%
HK$89,692
−HK$2,376/mo
Today · 4.125%
HK$92,068
baseline
▲ 0.50% · 4.625%
HK$96,921
+HK$4,853/mo
Deposit HK$1.91M · loan HK$17.22M · min. income ≈ HK$184,136/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$717,361 · Scale 2, in force from 26 Feb 2026)