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$45,077
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$46,479
−HK$1,425/mo
Today · 4.125%
HK$47,904
baseline
▲ 0.50% · 4.625%
HK$50,818
+HK$2,914/mo
Deposit HK$9.88M · loan HK$9.88M · min. income ≈ HK$95,808/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,148
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$51,492
−HK$1,365/mo
Today · 4.125%
HK$52,857
baseline
▲ 0.50% · 4.625%
HK$55,643
+HK$2,786/mo
Deposit HK$9.88M · loan HK$9.88M · min. income ≈ HK$105,714/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,092
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$55,775
−HK$1,709/mo
Today · 4.125%
HK$57,484
baseline
▲ 0.50% · 4.625%
HK$60,982
+HK$3,498/mo
Deposit HK$7.91M · loan HK$11.86M · min. income ≈ HK$114,968/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,177
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$61,791
−HK$1,637/mo
Today · 4.125%
HK$63,428
baseline
▲ 0.50% · 4.625%
HK$66,772
+HK$3,344/mo
Deposit HK$7.91M · loan HK$11.86M · min. income ≈ HK$126,856/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,108
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$65,071
−HK$1,994/mo
Today · 4.125%
HK$67,065
baseline
▲ 0.50% · 4.625%
HK$71,146
+HK$4,081/mo
Deposit HK$5.93M · loan HK$13.84M · min. income ≈ HK$134,130/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$741,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,207
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$72,089
−HK$1,911/mo
Today · 4.125%
HK$74,000
baseline
▲ 0.50% · 4.625%
HK$77,900
+HK$3,900/mo
Deposit HK$5.93M · loan HK$13.84M · min. income ≈ HK$148,000/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$741,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,138
−HK$5,088/mo
▼ 0.25% · 3.875%
HK$83,662
−HK$2,564/mo
Today · 4.125%
HK$86,226
baseline
▲ 0.50% · 4.625%
HK$91,473
+HK$5,247/mo
Deposit HK$1.98M · loan HK$17.79M · min. income ≈ HK$172,452/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,266
−HK$4,876/mo
▼ 0.25% · 3.875%
HK$92,686
−HK$2,456/mo
Today · 4.125%
HK$95,142
baseline
▲ 0.50% · 4.625%
HK$100,157
+HK$5,015/mo
Deposit HK$1.98M · loan HK$17.79M · min. income ≈ HK$190,284/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,312 · Scale 2, in force from 26 Feb 2026)