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$44,337
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$45,716
−HK$1,401/mo
Today · 4.125%
HK$47,117
baseline
▲ 0.50% · 4.625%
HK$49,984
+HK$2,867/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$94,234/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$729,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,324
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$50,647
−HK$1,342/mo
Today · 4.125%
HK$51,989
baseline
▲ 0.50% · 4.625%
HK$54,730
+HK$2,741/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$103,978/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$729,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,204
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$54,859
−HK$1,682/mo
Today · 4.125%
HK$56,541
baseline
▲ 0.50% · 4.625%
HK$59,981
+HK$3,440/mo
Deposit HK$7.78M · loan HK$11.67M · min. income ≈ HK$113,082/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,189
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$60,777
−HK$1,610/mo
Today · 4.125%
HK$62,387
baseline
▲ 0.50% · 4.625%
HK$65,675
+HK$3,288/mo
Deposit HK$7.78M · loan HK$11.67M · min. income ≈ HK$124,774/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,072
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$64,002
−HK$1,962/mo
Today · 4.125%
HK$65,964
baseline
▲ 0.50% · 4.625%
HK$69,978
+HK$4,014/mo
Deposit HK$5.83M · loan HK$13.61M · min. income ≈ HK$131,928/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$729,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,054
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$70,906
−HK$1,879/mo
Today · 4.125%
HK$72,785
baseline
▲ 0.50% · 4.625%
HK$76,621
+HK$3,836/mo
Deposit HK$5.83M · loan HK$13.61M · min. income ≈ HK$145,570/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$729,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,806
−HK$5,005/mo
▼ 0.25% · 3.875%
HK$82,289
−HK$2,522/mo
Today · 4.125%
HK$84,811
baseline
▲ 0.50% · 4.625%
HK$89,971
+HK$5,160/mo
Deposit HK$1.94M · loan HK$17.50M · min. income ≈ HK$169,622/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$729,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,784
−HK$4,796/mo
▼ 0.25% · 3.875%
HK$91,165
−HK$2,415/mo
Today · 4.125%
HK$93,580
baseline
▲ 0.50% · 4.625%
HK$98,513
+HK$4,933/mo
Deposit HK$1.94M · loan HK$17.50M · min. income ≈ HK$187,160/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$729,142 · Scale 2, in force from 26 Feb 2026)