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$44,915
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$46,312
−HK$1,420/mo
Today · 4.125%
HK$47,732
baseline
▲ 0.50% · 4.625%
HK$50,636
+HK$2,904/mo
Deposit HK$9.85M · loan HK$9.85M · min. income ≈ HK$95,464/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$738,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,968
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$51,308
−HK$1,359/mo
Today · 4.125%
HK$52,667
baseline
▲ 0.50% · 4.625%
HK$55,443
+HK$2,776/mo
Deposit HK$9.85M · loan HK$9.85M · min. income ≈ HK$105,334/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$738,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,898
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$55,575
−HK$1,703/mo
Today · 4.125%
HK$57,278
baseline
▲ 0.50% · 4.625%
HK$60,763
+HK$3,485/mo
Deposit HK$7.88M · loan HK$11.82M · min. income ≈ HK$114,556/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$738,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,961
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$61,569
−HK$1,632/mo
Today · 4.125%
HK$63,201
baseline
▲ 0.50% · 4.625%
HK$66,532
+HK$3,331/mo
Deposit HK$7.88M · loan HK$11.82M · min. income ≈ HK$126,402/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$738,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,881
−HK$3,943/mo
▼ 0.25% · 3.875%
HK$64,837
−HK$1,987/mo
Today · 4.125%
HK$66,824
baseline
▲ 0.50% · 4.625%
HK$70,891
+HK$4,067/mo
Deposit HK$5.91M · loan HK$13.79M · min. income ≈ HK$133,648/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$738,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,955
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$71,831
−HK$1,903/mo
Today · 4.125%
HK$73,734
baseline
▲ 0.50% · 4.625%
HK$77,621
+HK$3,887/mo
Deposit HK$5.91M · loan HK$13.79M · min. income ≈ HK$147,468/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$738,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,847
−HK$5,070/mo
▼ 0.25% · 3.875%
HK$83,362
−HK$2,555/mo
Today · 4.125%
HK$85,917
baseline
▲ 0.50% · 4.625%
HK$91,145
+HK$5,228/mo
Deposit HK$1.97M · loan HK$17.73M · min. income ≈ HK$171,834/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,942
−HK$4,859/mo
▼ 0.25% · 3.875%
HK$92,354
−HK$2,447/mo
Today · 4.125%
HK$94,801
baseline
▲ 0.50% · 4.625%
HK$99,798
+HK$4,997/mo
Deposit HK$1.97M · loan HK$17.73M · min. income ≈ HK$189,602/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,654 · Scale 2, in force from 26 Feb 2026)