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$45,153
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$46,558
−HK$1,427/mo
Today · 4.125%
HK$47,985
baseline
▲ 0.50% · 4.625%
HK$50,905
+HK$2,920/mo
Deposit HK$9.90M · loan HK$9.90M · min. income ≈ HK$95,970/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$742,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,233
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$51,580
−HK$1,367/mo
Today · 4.125%
HK$52,947
baseline
▲ 0.50% · 4.625%
HK$55,738
+HK$2,791/mo
Deposit HK$9.90M · loan HK$9.90M · min. income ≈ HK$105,894/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$742,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,184
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$55,870
−HK$1,712/mo
Today · 4.125%
HK$57,582
baseline
▲ 0.50% · 4.625%
HK$61,086
+HK$3,504/mo
Deposit HK$7.92M · loan HK$11.88M · min. income ≈ HK$115,164/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$742,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,279
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$61,896
−HK$1,640/mo
Today · 4.125%
HK$63,536
baseline
▲ 0.50% · 4.625%
HK$66,885
+HK$3,349/mo
Deposit HK$7.92M · loan HK$11.88M · min. income ≈ HK$127,072/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$742,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,215
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$65,181
−HK$1,998/mo
Today · 4.125%
HK$67,179
baseline
▲ 0.50% · 4.625%
HK$71,267
+HK$4,088/mo
Deposit HK$5.94M · loan HK$13.86M · min. income ≈ HK$134,358/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,326
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$72,212
−HK$1,913/mo
Today · 4.125%
HK$74,125
baseline
▲ 0.50% · 4.625%
HK$78,033
+HK$3,908/mo
Deposit HK$5.94M · loan HK$13.86M · min. income ≈ HK$148,250/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,276
−HK$5,097/mo
▼ 0.25% · 3.875%
HK$83,804
−HK$2,569/mo
Today · 4.125%
HK$86,373
baseline
▲ 0.50% · 4.625%
HK$91,628
+HK$5,255/mo
Deposit HK$1.98M · loan HK$17.82M · min. income ≈ HK$172,746/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,419
−HK$4,885/mo
▼ 0.25% · 3.875%
HK$92,844
−HK$2,460/mo
Today · 4.125%
HK$95,304
baseline
▲ 0.50% · 4.625%
HK$100,328
+HK$5,024/mo
Deposit HK$1.98M · loan HK$17.82M · min. income ≈ HK$190,608/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,571 · Scale 2, in force from 26 Feb 2026)