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$43,564
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$44,920
−HK$1,376/mo
Today · 4.125%
HK$46,296
baseline
▲ 0.50% · 4.625%
HK$49,113
+HK$2,817/mo
Deposit HK$9.55M · loan HK$9.55M · min. income ≈ HK$92,592/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$716,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,465
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$49,765
−HK$1,318/mo
Today · 4.125%
HK$51,083
baseline
▲ 0.50% · 4.625%
HK$53,776
+HK$2,693/mo
Deposit HK$9.55M · loan HK$9.55M · min. income ≈ HK$102,166/mo (50% DSR)
Upfront cash ≈ HK$10.27M (deposit + AVD stamp duty HK$716,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,277
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$53,903
−HK$1,653/mo
Today · 4.125%
HK$55,556
baseline
▲ 0.50% · 4.625%
HK$58,936
+HK$3,380/mo
Deposit HK$7.64M · loan HK$11.46M · min. income ≈ HK$111,112/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,158
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$59,718
−HK$1,582/mo
Today · 4.125%
HK$61,300
baseline
▲ 0.50% · 4.625%
HK$64,531
+HK$3,231/mo
Deposit HK$7.64M · loan HK$11.46M · min. income ≈ HK$122,600/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,990
−HK$3,825/mo
▼ 0.25% · 3.875%
HK$62,887
−HK$1,928/mo
Today · 4.125%
HK$64,815
baseline
▲ 0.50% · 4.625%
HK$68,759
+HK$3,944/mo
Deposit HK$5.73M · loan HK$13.37M · min. income ≈ HK$129,630/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,851
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$69,671
−HK$1,846/mo
Today · 4.125%
HK$71,517
baseline
▲ 0.50% · 4.625%
HK$75,287
+HK$3,770/mo
Deposit HK$5.73M · loan HK$13.37M · min. income ≈ HK$143,034/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,416
−HK$4,917/mo
▼ 0.25% · 3.875%
HK$80,855
−HK$2,478/mo
Today · 4.125%
HK$83,333
baseline
▲ 0.50% · 4.625%
HK$88,404
+HK$5,071/mo
Deposit HK$1.91M · loan HK$17.19M · min. income ≈ HK$166,666/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,237
−HK$4,713/mo
▼ 0.25% · 3.875%
HK$89,577
−HK$2,373/mo
Today · 4.125%
HK$91,950
baseline
▲ 0.50% · 4.625%
HK$96,797
+HK$4,847/mo
Deposit HK$1.91M · loan HK$17.19M · min. income ≈ HK$183,900/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,441 · Scale 2, in force from 26 Feb 2026)