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$43,470
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$44,822
−HK$1,374/mo
Today · 4.125%
HK$46,196
baseline
▲ 0.50% · 4.625%
HK$49,007
+HK$2,811/mo
Deposit HK$9.53M · loan HK$9.53M · min. income ≈ HK$92,392/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$714,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,360
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$49,657
−HK$1,316/mo
Today · 4.125%
HK$50,973
baseline
▲ 0.50% · 4.625%
HK$53,660
+HK$2,687/mo
Deposit HK$9.53M · loan HK$9.53M · min. income ≈ HK$101,946/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$714,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,164
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$53,787
−HK$1,648/mo
Today · 4.125%
HK$55,435
baseline
▲ 0.50% · 4.625%
HK$58,809
+HK$3,374/mo
Deposit HK$7.63M · loan HK$11.44M · min. income ≈ HK$110,870/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$714,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,032
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$59,589
−HK$1,579/mo
Today · 4.125%
HK$61,168
baseline
▲ 0.50% · 4.625%
HK$64,392
+HK$3,224/mo
Deposit HK$7.63M · loan HK$11.44M · min. income ≈ HK$122,336/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$714,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,858
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$62,751
−HK$1,924/mo
Today · 4.125%
HK$64,675
baseline
▲ 0.50% · 4.625%
HK$68,610
+HK$3,935/mo
Deposit HK$5.72M · loan HK$13.34M · min. income ≈ HK$129,350/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,704
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$69,520
−HK$1,842/mo
Today · 4.125%
HK$71,362
baseline
▲ 0.50% · 4.625%
HK$75,124
+HK$3,762/mo
Deposit HK$5.72M · loan HK$13.34M · min. income ≈ HK$142,724/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$714,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,246
−HK$4,907/mo
▼ 0.25% · 3.875%
HK$80,680
−HK$2,473/mo
Today · 4.125%
HK$83,153
baseline
▲ 0.50% · 4.625%
HK$88,213
+HK$5,060/mo
Deposit HK$1.91M · loan HK$17.16M · min. income ≈ HK$166,306/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,048
−HK$4,703/mo
▼ 0.25% · 3.875%
HK$89,383
−HK$2,368/mo
Today · 4.125%
HK$91,751
baseline
▲ 0.50% · 4.625%
HK$96,588
+HK$4,837/mo
Deposit HK$1.91M · loan HK$17.16M · min. income ≈ HK$183,502/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$714,891 · Scale 2, in force from 26 Feb 2026)