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$44,297
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$45,675
−HK$1,400/mo
Today · 4.125%
HK$47,075
baseline
▲ 0.50% · 4.625%
HK$49,939
+HK$2,864/mo
Deposit HK$9.71M · loan HK$9.71M · min. income ≈ HK$94,150/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$728,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,280
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$50,602
−HK$1,341/mo
Today · 4.125%
HK$51,943
baseline
▲ 0.50% · 4.625%
HK$54,680
+HK$2,737/mo
Deposit HK$9.71M · loan HK$9.71M · min. income ≈ HK$103,886/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$728,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,156
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$54,810
−HK$1,680/mo
Today · 4.125%
HK$56,490
baseline
▲ 0.50% · 4.625%
HK$59,927
+HK$3,437/mo
Deposit HK$7.77M · loan HK$11.66M · min. income ≈ HK$112,980/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,136
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$60,722
−HK$1,609/mo
Today · 4.125%
HK$62,331
baseline
▲ 0.50% · 4.625%
HK$65,617
+HK$3,286/mo
Deposit HK$7.77M · loan HK$11.66M · min. income ≈ HK$124,662/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,016
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$63,945
−HK$1,960/mo
Today · 4.125%
HK$65,905
baseline
▲ 0.50% · 4.625%
HK$69,915
+HK$4,010/mo
Deposit HK$5.83M · loan HK$13.60M · min. income ≈ HK$131,810/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,992
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$70,842
−HK$1,878/mo
Today · 4.125%
HK$72,720
baseline
▲ 0.50% · 4.625%
HK$76,553
+HK$3,833/mo
Deposit HK$5.83M · loan HK$13.60M · min. income ≈ HK$145,440/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,735
−HK$5,000/mo
▼ 0.25% · 3.875%
HK$82,215
−HK$2,520/mo
Today · 4.125%
HK$84,735
baseline
▲ 0.50% · 4.625%
HK$89,891
+HK$5,156/mo
Deposit HK$1.94M · loan HK$17.48M · min. income ≈ HK$169,470/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,704
−HK$4,793/mo
▼ 0.25% · 3.875%
HK$91,083
−HK$2,414/mo
Today · 4.125%
HK$93,497
baseline
▲ 0.50% · 4.625%
HK$98,425
+HK$4,928/mo
Deposit HK$1.94M · loan HK$17.48M · min. income ≈ HK$186,994/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,489 · Scale 2, in force from 26 Feb 2026)