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$45,034
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$46,435
−HK$1,423/mo
Today · 4.125%
HK$47,858
baseline
▲ 0.50% · 4.625%
HK$50,770
+HK$2,912/mo
Deposit HK$9.87M · loan HK$9.87M · min. income ≈ HK$95,716/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$740,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,100
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$51,444
−HK$1,363/mo
Today · 4.125%
HK$52,807
baseline
▲ 0.50% · 4.625%
HK$55,590
+HK$2,783/mo
Deposit HK$9.87M · loan HK$9.87M · min. income ≈ HK$105,614/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$740,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,041
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$55,722
−HK$1,708/mo
Today · 4.125%
HK$57,430
baseline
▲ 0.50% · 4.625%
HK$60,924
+HK$3,494/mo
Deposit HK$7.90M · loan HK$11.85M · min. income ≈ HK$114,860/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$740,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,120
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$61,732
−HK$1,636/mo
Today · 4.125%
HK$63,368
baseline
▲ 0.50% · 4.625%
HK$66,708
+HK$3,340/mo
Deposit HK$7.90M · loan HK$11.85M · min. income ≈ HK$126,736/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$740,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,048
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$65,009
−HK$1,992/mo
Today · 4.125%
HK$67,001
baseline
▲ 0.50% · 4.625%
HK$71,078
+HK$4,077/mo
Deposit HK$5.92M · loan HK$13.82M · min. income ≈ HK$134,002/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$740,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,140
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$72,021
−HK$1,908/mo
Today · 4.125%
HK$73,929
baseline
▲ 0.50% · 4.625%
HK$77,826
+HK$3,897/mo
Deposit HK$5.92M · loan HK$13.82M · min. income ≈ HK$147,858/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$740,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,061
−HK$5,084/mo
▼ 0.25% · 3.875%
HK$83,583
−HK$2,562/mo
Today · 4.125%
HK$86,145
baseline
▲ 0.50% · 4.625%
HK$91,386
+HK$5,241/mo
Deposit HK$1.97M · loan HK$17.77M · min. income ≈ HK$172,290/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$740,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,180
−HK$4,872/mo
▼ 0.25% · 3.875%
HK$92,598
−HK$2,454/mo
Today · 4.125%
HK$95,052
baseline
▲ 0.50% · 4.625%
HK$100,062
+HK$5,010/mo
Deposit HK$1.97M · loan HK$17.77M · min. income ≈ HK$190,104/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$740,609 · Scale 2, in force from 26 Feb 2026)