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$43,487
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$44,840
−HK$1,375/mo
Today · 4.125%
HK$46,215
baseline
▲ 0.50% · 4.625%
HK$49,027
+HK$2,812/mo
Deposit HK$9.54M · loan HK$9.54M · min. income ≈ HK$92,430/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$715,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,379
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$49,677
−HK$1,316/mo
Today · 4.125%
HK$50,993
baseline
▲ 0.50% · 4.625%
HK$53,681
+HK$2,688/mo
Deposit HK$9.54M · loan HK$9.54M · min. income ≈ HK$101,986/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$715,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,185
−HK$3,272/mo
▼ 0.25% · 3.875%
HK$53,808
−HK$1,649/mo
Today · 4.125%
HK$55,457
baseline
▲ 0.50% · 4.625%
HK$58,832
+HK$3,375/mo
Deposit HK$7.63M · loan HK$11.44M · min. income ≈ HK$110,914/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$715,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,055
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$59,612
−HK$1,580/mo
Today · 4.125%
HK$61,192
baseline
▲ 0.50% · 4.625%
HK$64,417
+HK$3,225/mo
Deposit HK$7.63M · loan HK$11.44M · min. income ≈ HK$122,384/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$715,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,882
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$62,776
−HK$1,924/mo
Today · 4.125%
HK$64,700
baseline
▲ 0.50% · 4.625%
HK$68,637
+HK$3,937/mo
Deposit HK$5.72M · loan HK$13.35M · min. income ≈ HK$129,400/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$715,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,731
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$69,548
−HK$1,842/mo
Today · 4.125%
HK$71,390
baseline
▲ 0.50% · 4.625%
HK$75,154
+HK$3,764/mo
Deposit HK$5.72M · loan HK$13.35M · min. income ≈ HK$142,780/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$715,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,277
−HK$4,909/mo
▼ 0.25% · 3.875%
HK$80,712
−HK$2,474/mo
Today · 4.125%
HK$83,186
baseline
▲ 0.50% · 4.625%
HK$88,248
+HK$5,062/mo
Deposit HK$1.91M · loan HK$17.16M · min. income ≈ HK$166,372/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$715,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,083
−HK$4,705/mo
▼ 0.25% · 3.875%
HK$89,418
−HK$2,370/mo
Today · 4.125%
HK$91,788
baseline
▲ 0.50% · 4.625%
HK$96,626
+HK$4,838/mo
Deposit HK$1.91M · loan HK$17.16M · min. income ≈ HK$183,576/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$715,174 · Scale 2, in force from 26 Feb 2026)