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$44,571
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$45,958
−HK$1,408/mo
Today · 4.125%
HK$47,366
baseline
▲ 0.50% · 4.625%
HK$50,248
+HK$2,882/mo
Deposit HK$9.77M · loan HK$9.77M · min. income ≈ HK$94,732/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$732,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,585
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$50,915
−HK$1,349/mo
Today · 4.125%
HK$52,264
baseline
▲ 0.50% · 4.625%
HK$55,019
+HK$2,755/mo
Deposit HK$9.77M · loan HK$9.77M · min. income ≈ HK$104,528/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$732,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,485
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$55,149
−HK$1,690/mo
Today · 4.125%
HK$56,839
baseline
▲ 0.50% · 4.625%
HK$60,298
+HK$3,459/mo
Deposit HK$7.82M · loan HK$11.73M · min. income ≈ HK$113,678/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$732,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,502
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$61,098
−HK$1,619/mo
Today · 4.125%
HK$62,717
baseline
▲ 0.50% · 4.625%
HK$66,023
+HK$3,306/mo
Deposit HK$7.82M · loan HK$11.73M · min. income ≈ HK$125,434/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$732,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,400
−HK$3,913/mo
▼ 0.25% · 3.875%
HK$64,341
−HK$1,972/mo
Today · 4.125%
HK$66,313
baseline
▲ 0.50% · 4.625%
HK$70,348
+HK$4,035/mo
Deposit HK$5.86M · loan HK$13.68M · min. income ≈ HK$132,626/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$732,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,419
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$71,281
−HK$1,888/mo
Today · 4.125%
HK$73,169
baseline
▲ 0.50% · 4.625%
HK$77,026
+HK$3,857/mo
Deposit HK$5.86M · loan HK$13.68M · min. income ≈ HK$146,338/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$732,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,228
−HK$5,031/mo
▼ 0.25% · 3.875%
HK$82,724
−HK$2,535/mo
Today · 4.125%
HK$85,259
baseline
▲ 0.50% · 4.625%
HK$90,447
+HK$5,188/mo
Deposit HK$1.95M · loan HK$17.59M · min. income ≈ HK$170,518/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$732,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,253
−HK$4,822/mo
▼ 0.25% · 3.875%
HK$91,647
−HK$2,428/mo
Today · 4.125%
HK$94,075
baseline
▲ 0.50% · 4.625%
HK$99,034
+HK$4,959/mo
Deposit HK$1.95M · loan HK$17.59M · min. income ≈ HK$188,150/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$732,997 · Scale 2, in force from 26 Feb 2026)