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$44,403
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$45,784
−HK$1,403/mo
Today · 4.125%
HK$47,187
baseline
▲ 0.50% · 4.625%
HK$50,058
+HK$2,871/mo
Deposit HK$9.74M · loan HK$9.74M · min. income ≈ HK$94,374/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$730,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,398
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$50,722
−HK$1,344/mo
Today · 4.125%
HK$52,066
baseline
▲ 0.50% · 4.625%
HK$54,811
+HK$2,745/mo
Deposit HK$9.74M · loan HK$9.74M · min. income ≈ HK$104,132/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$730,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,283
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$54,941
−HK$1,684/mo
Today · 4.125%
HK$56,625
baseline
▲ 0.50% · 4.625%
HK$60,070
+HK$3,445/mo
Deposit HK$7.79M · loan HK$11.68M · min. income ≈ HK$113,250/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$730,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,277
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$60,867
−HK$1,613/mo
Today · 4.125%
HK$62,480
baseline
▲ 0.50% · 4.625%
HK$65,773
+HK$3,293/mo
Deposit HK$7.79M · loan HK$11.68M · min. income ≈ HK$124,960/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$730,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,164
−HK$3,898/mo
▼ 0.25% · 3.875%
HK$64,097
−HK$1,965/mo
Today · 4.125%
HK$66,062
baseline
▲ 0.50% · 4.625%
HK$70,082
+HK$4,020/mo
Deposit HK$5.84M · loan HK$13.63M · min. income ≈ HK$132,124/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$730,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,157
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$71,011
−HK$1,882/mo
Today · 4.125%
HK$72,893
baseline
▲ 0.50% · 4.625%
HK$76,735
+HK$3,842/mo
Deposit HK$5.84M · loan HK$13.63M · min. income ≈ HK$145,786/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$730,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,925
−HK$5,012/mo
▼ 0.25% · 3.875%
HK$82,411
−HK$2,526/mo
Today · 4.125%
HK$84,937
baseline
▲ 0.50% · 4.625%
HK$90,105
+HK$5,168/mo
Deposit HK$1.95M · loan HK$17.53M · min. income ≈ HK$169,874/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,916
−HK$4,803/mo
▼ 0.25% · 3.875%
HK$91,300
−HK$2,419/mo
Today · 4.125%
HK$93,719
baseline
▲ 0.50% · 4.625%
HK$98,659
+HK$4,940/mo
Deposit HK$1.95M · loan HK$17.53M · min. income ≈ HK$187,438/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,226 · Scale 2, in force from 26 Feb 2026)