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$43,406
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$44,756
−HK$1,372/mo
Today · 4.125%
HK$46,128
baseline
▲ 0.50% · 4.625%
HK$48,935
+HK$2,807/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$92,256/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$713,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,289
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$49,584
−HK$1,314/mo
Today · 4.125%
HK$50,898
baseline
▲ 0.50% · 4.625%
HK$53,581
+HK$2,683/mo
Deposit HK$9.52M · loan HK$9.52M · min. income ≈ HK$101,796/mo (50% DSR)
Upfront cash ≈ HK$10.23M (deposit + AVD stamp duty HK$713,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,087
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$53,708
−HK$1,646/mo
Today · 4.125%
HK$55,354
baseline
▲ 0.50% · 4.625%
HK$58,722
+HK$3,368/mo
Deposit HK$7.61M · loan HK$11.42M · min. income ≈ HK$110,708/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$713,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,947
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$59,501
−HK$1,576/mo
Today · 4.125%
HK$61,077
baseline
▲ 0.50% · 4.625%
HK$64,297
+HK$3,220/mo
Deposit HK$7.61M · loan HK$11.42M · min. income ≈ HK$122,154/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$713,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,769
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$62,659
−HK$1,920/mo
Today · 4.125%
HK$64,579
baseline
▲ 0.50% · 4.625%
HK$68,509
+HK$3,930/mo
Deposit HK$5.71M · loan HK$13.32M · min. income ≈ HK$129,158/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,605
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$69,418
−HK$1,839/mo
Today · 4.125%
HK$71,257
baseline
▲ 0.50% · 4.625%
HK$75,013
+HK$3,756/mo
Deposit HK$5.71M · loan HK$13.32M · min. income ≈ HK$142,514/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$713,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,131
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$80,562
−HK$2,469/mo
Today · 4.125%
HK$83,031
baseline
▲ 0.50% · 4.625%
HK$88,083
+HK$5,052/mo
Deposit HK$1.90M · loan HK$17.13M · min. income ≈ HK$166,062/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,920
−HK$4,696/mo
▼ 0.25% · 3.875%
HK$89,251
−HK$2,365/mo
Today · 4.125%
HK$91,616
baseline
▲ 0.50% · 4.625%
HK$96,445
+HK$4,829/mo
Deposit HK$1.90M · loan HK$17.13M · min. income ≈ HK$183,232/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$713,839 · Scale 2, in force from 26 Feb 2026)