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$43,412
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$44,762
−HK$1,372/mo
Today · 4.125%
HK$46,134
baseline
▲ 0.50% · 4.625%
HK$48,941
+HK$2,807/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$92,268/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$713,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,295
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,591
−HK$1,314/mo
Today · 4.125%
HK$50,905
baseline
▲ 0.50% · 4.625%
HK$53,588
+HK$2,683/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$101,810/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$713,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,094
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$53,715
−HK$1,646/mo
Today · 4.125%
HK$55,361
baseline
▲ 0.50% · 4.625%
HK$58,730
+HK$3,369/mo
Deposit HK$7.62M · loan HK$11.42M · min. income ≈ HK$110,722/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$713,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,955
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$59,509
−HK$1,577/mo
Today · 4.125%
HK$61,086
baseline
▲ 0.50% · 4.625%
HK$64,306
+HK$3,220/mo
Deposit HK$7.62M · loan HK$11.42M · min. income ≈ HK$122,172/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$713,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,777
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$62,667
−HK$1,921/mo
Today · 4.125%
HK$64,588
baseline
▲ 0.50% · 4.625%
HK$68,518
+HK$3,930/mo
Deposit HK$5.71M · loan HK$13.33M · min. income ≈ HK$129,176/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$713,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,614
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$69,427
−HK$1,840/mo
Today · 4.125%
HK$71,267
baseline
▲ 0.50% · 4.625%
HK$75,023
+HK$3,756/mo
Deposit HK$5.71M · loan HK$13.33M · min. income ≈ HK$142,534/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$713,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,142
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$80,572
−HK$2,470/mo
Today · 4.125%
HK$83,042
baseline
▲ 0.50% · 4.625%
HK$88,095
+HK$5,053/mo
Deposit HK$1.90M · loan HK$17.13M · min. income ≈ HK$166,084/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,932
−HK$4,696/mo
▼ 0.25% · 3.875%
HK$89,263
−HK$2,365/mo
Today · 4.125%
HK$91,628
baseline
▲ 0.50% · 4.625%
HK$96,458
+HK$4,830/mo
Deposit HK$1.90M · loan HK$17.13M · min. income ≈ HK$183,256/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,934 · Scale 2, in force from 26 Feb 2026)