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$45,126
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$46,530
−HK$1,426/mo
Today · 4.125%
HK$47,956
baseline
▲ 0.50% · 4.625%
HK$50,874
+HK$2,918/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$95,912/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$742,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,202
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$51,549
−HK$1,366/mo
Today · 4.125%
HK$52,915
baseline
▲ 0.50% · 4.625%
HK$55,704
+HK$2,789/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$105,830/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$742,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,151
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$55,836
−HK$1,711/mo
Today · 4.125%
HK$57,547
baseline
▲ 0.50% · 4.625%
HK$61,049
+HK$3,502/mo
Deposit HK$7.92M · loan HK$11.87M · min. income ≈ HK$115,094/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$742,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,243
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$61,859
−HK$1,639/mo
Today · 4.125%
HK$63,498
baseline
▲ 0.50% · 4.625%
HK$66,845
+HK$3,347/mo
Deposit HK$7.92M · loan HK$11.87M · min. income ≈ HK$126,996/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$742,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,177
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$65,142
−HK$1,996/mo
Today · 4.125%
HK$67,138
baseline
▲ 0.50% · 4.625%
HK$71,224
+HK$4,086/mo
Deposit HK$5.94M · loan HK$13.85M · min. income ≈ HK$134,276/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,283
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$72,168
−HK$1,913/mo
Today · 4.125%
HK$74,081
baseline
▲ 0.50% · 4.625%
HK$77,985
+HK$3,904/mo
Deposit HK$5.94M · loan HK$13.85M · min. income ≈ HK$148,162/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,227
−HK$5,094/mo
▼ 0.25% · 3.875%
HK$83,754
−HK$2,567/mo
Today · 4.125%
HK$86,321
baseline
▲ 0.50% · 4.625%
HK$91,573
+HK$5,252/mo
Deposit HK$1.98M · loan HK$17.81M · min. income ≈ HK$172,642/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,364
−HK$4,882/mo
▼ 0.25% · 3.875%
HK$92,788
−HK$2,458/mo
Today · 4.125%
HK$95,246
baseline
▲ 0.50% · 4.625%
HK$100,267
+HK$5,021/mo
Deposit HK$1.98M · loan HK$17.81M · min. income ≈ HK$190,492/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,124 · Scale 2, in force from 26 Feb 2026)