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$44,359
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$45,739
−HK$1,401/mo
Today · 4.125%
HK$47,140
baseline
▲ 0.50% · 4.625%
HK$50,009
+HK$2,869/mo
Deposit HK$9.73M · loan HK$9.73M · min. income ≈ HK$94,280/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$729,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,349
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$50,672
−HK$1,343/mo
Today · 4.125%
HK$52,015
baseline
▲ 0.50% · 4.625%
HK$54,757
+HK$2,742/mo
Deposit HK$9.73M · loan HK$9.73M · min. income ≈ HK$104,030/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$729,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,231
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$54,886
−HK$1,683/mo
Today · 4.125%
HK$56,569
baseline
▲ 0.50% · 4.625%
HK$60,011
+HK$3,442/mo
Deposit HK$7.78M · loan HK$11.67M · min. income ≈ HK$113,138/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,218
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$60,807
−HK$1,611/mo
Today · 4.125%
HK$62,418
baseline
▲ 0.50% · 4.625%
HK$65,708
+HK$3,290/mo
Deposit HK$7.78M · loan HK$11.67M · min. income ≈ HK$124,836/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,102
−HK$3,895/mo
▼ 0.25% · 3.875%
HK$64,034
−HK$1,963/mo
Today · 4.125%
HK$65,997
baseline
▲ 0.50% · 4.625%
HK$70,012
+HK$4,015/mo
Deposit HK$5.84M · loan HK$13.62M · min. income ≈ HK$131,994/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$729,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,088
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$70,941
−HK$1,880/mo
Today · 4.125%
HK$72,821
baseline
▲ 0.50% · 4.625%
HK$76,659
+HK$3,838/mo
Deposit HK$5.84M · loan HK$13.62M · min. income ≈ HK$145,642/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$729,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,846
−HK$5,007/mo
▼ 0.25% · 3.875%
HK$82,329
−HK$2,524/mo
Today · 4.125%
HK$84,853
baseline
▲ 0.50% · 4.625%
HK$90,016
+HK$5,163/mo
Deposit HK$1.95M · loan HK$17.51M · min. income ≈ HK$169,706/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$729,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,828
−HK$4,799/mo
▼ 0.25% · 3.875%
HK$91,210
−HK$2,417/mo
Today · 4.125%
HK$93,627
baseline
▲ 0.50% · 4.625%
HK$98,562
+HK$4,935/mo
Deposit HK$1.95M · loan HK$17.51M · min. income ≈ HK$187,254/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$729,503 · Scale 2, in force from 26 Feb 2026)