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$43,516
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$44,870
−HK$1,375/mo
Today · 4.125%
HK$46,245
baseline
▲ 0.50% · 4.625%
HK$49,059
+HK$2,814/mo
Deposit HK$9.54M · loan HK$9.54M · min. income ≈ HK$92,490/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$715,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,411
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$49,710
−HK$1,317/mo
Today · 4.125%
HK$51,027
baseline
▲ 0.50% · 4.625%
HK$53,717
+HK$2,690/mo
Deposit HK$9.54M · loan HK$9.54M · min. income ≈ HK$102,054/mo (50% DSR)
Upfront cash ≈ HK$10.26M (deposit + AVD stamp duty HK$715,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,220
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$53,844
−HK$1,650/mo
Today · 4.125%
HK$55,494
baseline
▲ 0.50% · 4.625%
HK$58,871
+HK$3,377/mo
Deposit HK$7.63M · loan HK$11.45M · min. income ≈ HK$110,988/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$715,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,094
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$59,652
−HK$1,580/mo
Today · 4.125%
HK$61,232
baseline
▲ 0.50% · 4.625%
HK$64,460
+HK$3,228/mo
Deposit HK$7.63M · loan HK$11.45M · min. income ≈ HK$122,464/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$715,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,923
−HK$3,820/mo
▼ 0.25% · 3.875%
HK$62,818
−HK$1,925/mo
Today · 4.125%
HK$64,743
baseline
▲ 0.50% · 4.625%
HK$68,683
+HK$3,940/mo
Deposit HK$5.73M · loan HK$13.36M · min. income ≈ HK$129,486/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$715,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,776
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$69,594
−HK$1,844/mo
Today · 4.125%
HK$71,438
baseline
▲ 0.50% · 4.625%
HK$75,203
+HK$3,765/mo
Deposit HK$5.73M · loan HK$13.36M · min. income ≈ HK$142,876/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$715,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,329
−HK$4,912/mo
▼ 0.25% · 3.875%
HK$80,766
−HK$2,475/mo
Today · 4.125%
HK$83,241
baseline
▲ 0.50% · 4.625%
HK$88,306
+HK$5,065/mo
Deposit HK$1.91M · loan HK$17.18M · min. income ≈ HK$166,482/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$715,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,141
−HK$4,707/mo
▼ 0.25% · 3.875%
HK$89,478
−HK$2,370/mo
Today · 4.125%
HK$91,848
baseline
▲ 0.50% · 4.625%
HK$96,690
+HK$4,842/mo
Deposit HK$1.91M · loan HK$17.18M · min. income ≈ HK$183,696/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$715,648 · Scale 2, in force from 26 Feb 2026)