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$43,724
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$45,084
−HK$1,381/mo
Today · 4.125%
HK$46,465
baseline
▲ 0.50% · 4.625%
HK$49,293
+HK$2,828/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$92,930/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$719,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,642
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$49,947
−HK$1,323/mo
Today · 4.125%
HK$51,270
baseline
▲ 0.50% · 4.625%
HK$53,972
+HK$2,702/mo
Deposit HK$9.59M · loan HK$9.59M · min. income ≈ HK$102,540/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$719,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,468
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$54,100
−HK$1,658/mo
Today · 4.125%
HK$55,758
baseline
▲ 0.50% · 4.625%
HK$59,151
+HK$3,393/mo
Deposit HK$7.67M · loan HK$11.50M · min. income ≈ HK$111,516/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$719,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,370
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$59,936
−HK$1,588/mo
Today · 4.125%
HK$61,524
baseline
▲ 0.50% · 4.625%
HK$64,767
+HK$3,243/mo
Deposit HK$7.67M · loan HK$11.50M · min. income ≈ HK$123,048/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$719,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,213
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$63,117
−HK$1,934/mo
Today · 4.125%
HK$65,051
baseline
▲ 0.50% · 4.625%
HK$69,010
+HK$3,959/mo
Deposit HK$5.75M · loan HK$13.42M · min. income ≈ HK$130,102/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$719,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,099
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$69,925
−HK$1,853/mo
Today · 4.125%
HK$71,778
baseline
▲ 0.50% · 4.625%
HK$75,561
+HK$3,783/mo
Deposit HK$5.75M · loan HK$13.42M · min. income ≈ HK$143,556/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$719,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,702
−HK$4,936/mo
▼ 0.25% · 3.875%
HK$81,150
−HK$2,488/mo
Today · 4.125%
HK$83,638
baseline
▲ 0.50% · 4.625%
HK$88,727
+HK$5,089/mo
Deposit HK$1.92M · loan HK$17.26M · min. income ≈ HK$167,276/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,556
−HK$4,730/mo
▼ 0.25% · 3.875%
HK$89,904
−HK$2,382/mo
Today · 4.125%
HK$92,286
baseline
▲ 0.50% · 4.625%
HK$97,150
+HK$4,864/mo
Deposit HK$1.92M · loan HK$17.26M · min. income ≈ HK$184,572/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$719,056 · Scale 2, in force from 26 Feb 2026)