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$43,269
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$44,615
−HK$1,367/mo
Today · 4.125%
HK$45,982
baseline
▲ 0.50% · 4.625%
HK$48,780
+HK$2,798/mo
Deposit HK$9.49M · loan HK$9.49M · min. income ≈ HK$91,964/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$711,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,136
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$49,427
−HK$1,310/mo
Today · 4.125%
HK$50,737
baseline
▲ 0.50% · 4.625%
HK$53,412
+HK$2,675/mo
Deposit HK$9.49M · loan HK$9.49M · min. income ≈ HK$101,474/mo (50% DSR)
Upfront cash ≈ HK$10.20M (deposit + AVD stamp duty HK$711,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,923
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$53,538
−HK$1,641/mo
Today · 4.125%
HK$55,179
baseline
▲ 0.50% · 4.625%
HK$58,536
+HK$3,357/mo
Deposit HK$7.59M · loan HK$11.39M · min. income ≈ HK$110,358/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$711,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,764
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$59,313
−HK$1,572/mo
Today · 4.125%
HK$60,885
baseline
▲ 0.50% · 4.625%
HK$64,094
+HK$3,209/mo
Deposit HK$7.59M · loan HK$11.39M · min. income ≈ HK$121,770/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$711,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,577
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$62,461
−HK$1,914/mo
Today · 4.125%
HK$64,375
baseline
▲ 0.50% · 4.625%
HK$68,293
+HK$3,918/mo
Deposit HK$5.69M · loan HK$13.28M · min. income ≈ HK$128,750/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$711,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,391
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$69,198
−HK$1,834/mo
Today · 4.125%
HK$71,032
baseline
▲ 0.50% · 4.625%
HK$74,776
+HK$3,744/mo
Deposit HK$5.69M · loan HK$13.28M · min. income ≈ HK$142,064/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$711,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,884
−HK$4,884/mo
▼ 0.25% · 3.875%
HK$80,307
−HK$2,461/mo
Today · 4.125%
HK$82,768
baseline
▲ 0.50% · 4.625%
HK$87,805
+HK$5,037/mo
Deposit HK$1.90M · loan HK$17.08M · min. income ≈ HK$165,536/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,646
−HK$4,681/mo
▼ 0.25% · 3.875%
HK$88,969
−HK$2,358/mo
Today · 4.125%
HK$91,327
baseline
▲ 0.50% · 4.625%
HK$96,141
+HK$4,814/mo
Deposit HK$1.90M · loan HK$17.08M · min. income ≈ HK$182,654/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$711,583 · Scale 2, in force from 26 Feb 2026)