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$44,977
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$46,376
−HK$1,422/mo
Today · 4.125%
HK$47,798
baseline
▲ 0.50% · 4.625%
HK$50,706
+HK$2,908/mo
Deposit HK$9.86M · loan HK$9.86M · min. income ≈ HK$95,596/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$739,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,037
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$51,379
−HK$1,361/mo
Today · 4.125%
HK$52,740
baseline
▲ 0.50% · 4.625%
HK$55,520
+HK$2,780/mo
Deposit HK$9.86M · loan HK$9.86M · min. income ≈ HK$105,480/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$739,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,973
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$55,652
−HK$1,705/mo
Today · 4.125%
HK$57,357
baseline
▲ 0.50% · 4.625%
HK$60,847
+HK$3,490/mo
Deposit HK$7.89M · loan HK$11.83M · min. income ≈ HK$114,714/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$739,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,044
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$61,655
−HK$1,633/mo
Today · 4.125%
HK$63,288
baseline
▲ 0.50% · 4.625%
HK$66,624
+HK$3,336/mo
Deposit HK$7.89M · loan HK$11.83M · min. income ≈ HK$126,576/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$739,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,968
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$64,927
−HK$1,990/mo
Today · 4.125%
HK$66,917
baseline
▲ 0.50% · 4.625%
HK$70,989
+HK$4,072/mo
Deposit HK$5.92M · loan HK$13.81M · min. income ≈ HK$133,834/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$739,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,052
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$71,930
−HK$1,906/mo
Today · 4.125%
HK$73,836
baseline
▲ 0.50% · 4.625%
HK$77,728
+HK$3,892/mo
Deposit HK$5.92M · loan HK$13.81M · min. income ≈ HK$147,672/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$739,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,959
−HK$5,077/mo
▼ 0.25% · 3.875%
HK$83,478
−HK$2,558/mo
Today · 4.125%
HK$86,036
baseline
▲ 0.50% · 4.625%
HK$91,271
+HK$5,235/mo
Deposit HK$1.97M · loan HK$17.75M · min. income ≈ HK$172,072/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$739,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,066
−HK$4,866/mo
▼ 0.25% · 3.875%
HK$92,482
−HK$2,450/mo
Today · 4.125%
HK$94,932
baseline
▲ 0.50% · 4.625%
HK$99,936
+HK$5,004/mo
Deposit HK$1.97M · loan HK$17.75M · min. income ≈ HK$189,864/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$739,677 · Scale 2, in force from 26 Feb 2026)