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$44,596
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$45,983
−HK$1,409/mo
Today · 4.125%
HK$47,392
baseline
▲ 0.50% · 4.625%
HK$50,276
+HK$2,884/mo
Deposit HK$9.78M · loan HK$9.78M · min. income ≈ HK$94,784/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$733,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,612
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$50,943
−HK$1,350/mo
Today · 4.125%
HK$52,293
baseline
▲ 0.50% · 4.625%
HK$55,049
+HK$2,756/mo
Deposit HK$9.78M · loan HK$9.78M · min. income ≈ HK$104,586/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$733,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,515
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$55,180
−HK$1,691/mo
Today · 4.125%
HK$56,871
baseline
▲ 0.50% · 4.625%
HK$60,331
+HK$3,460/mo
Deposit HK$7.82M · loan HK$11.73M · min. income ≈ HK$113,742/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$733,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,535
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$61,132
−HK$1,619/mo
Today · 4.125%
HK$62,751
baseline
▲ 0.50% · 4.625%
HK$66,059
+HK$3,308/mo
Deposit HK$7.82M · loan HK$11.73M · min. income ≈ HK$125,502/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$733,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,434
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$64,376
−HK$1,973/mo
Today · 4.125%
HK$66,349
baseline
▲ 0.50% · 4.625%
HK$70,387
+HK$4,038/mo
Deposit HK$5.87M · loan HK$13.69M · min. income ≈ HK$132,698/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,457
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$71,320
−HK$1,890/mo
Today · 4.125%
HK$73,210
baseline
▲ 0.50% · 4.625%
HK$77,069
+HK$3,859/mo
Deposit HK$5.87M · loan HK$13.69M · min. income ≈ HK$146,420/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,273
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$82,769
−HK$2,537/mo
Today · 4.125%
HK$85,306
baseline
▲ 0.50% · 4.625%
HK$90,497
+HK$5,191/mo
Deposit HK$1.96M · loan HK$17.60M · min. income ≈ HK$170,612/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,302
−HK$4,825/mo
▼ 0.25% · 3.875%
HK$91,697
−HK$2,430/mo
Today · 4.125%
HK$94,127
baseline
▲ 0.50% · 4.625%
HK$99,089
+HK$4,962/mo
Deposit HK$1.96M · loan HK$17.60M · min. income ≈ HK$188,254/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,402 · Scale 2, in force from 26 Feb 2026)