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$44,837
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$46,232
−HK$1,417/mo
Today · 4.125%
HK$47,649
baseline
▲ 0.50% · 4.625%
HK$50,548
+HK$2,899/mo
Deposit HK$9.83M · loan HK$9.83M · min. income ≈ HK$95,298/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,881
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$51,219
−HK$1,357/mo
Today · 4.125%
HK$52,576
baseline
▲ 0.50% · 4.625%
HK$55,347
+HK$2,771/mo
Deposit HK$9.83M · loan HK$9.83M · min. income ≈ HK$105,152/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,805
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$55,478
−HK$1,701/mo
Today · 4.125%
HK$57,179
baseline
▲ 0.50% · 4.625%
HK$60,658
+HK$3,479/mo
Deposit HK$7.87M · loan HK$11.80M · min. income ≈ HK$114,358/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$737,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,857
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$61,462
−HK$1,629/mo
Today · 4.125%
HK$63,091
baseline
▲ 0.50% · 4.625%
HK$66,417
+HK$3,326/mo
Deposit HK$7.87M · loan HK$11.80M · min. income ≈ HK$126,182/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$737,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,772
−HK$3,936/mo
▼ 0.25% · 3.875%
HK$64,725
−HK$1,983/mo
Today · 4.125%
HK$66,708
baseline
▲ 0.50% · 4.625%
HK$70,767
+HK$4,059/mo
Deposit HK$5.90M · loan HK$13.76M · min. income ≈ HK$133,416/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,833
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$71,706
−HK$1,900/mo
Today · 4.125%
HK$73,606
baseline
▲ 0.50% · 4.625%
HK$77,486
+HK$3,880/mo
Deposit HK$5.90M · loan HK$13.76M · min. income ≈ HK$147,212/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,707
−HK$5,061/mo
▼ 0.25% · 3.875%
HK$83,217
−HK$2,551/mo
Today · 4.125%
HK$85,768
baseline
▲ 0.50% · 4.625%
HK$90,987
+HK$5,219/mo
Deposit HK$1.97M · loan HK$17.70M · min. income ≈ HK$171,536/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,786
−HK$4,850/mo
▼ 0.25% · 3.875%
HK$92,194
−HK$2,442/mo
Today · 4.125%
HK$94,636
baseline
▲ 0.50% · 4.625%
HK$99,625
+HK$4,989/mo
Deposit HK$1.97M · loan HK$17.70M · min. income ≈ HK$189,272/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,370 · Scale 2, in force from 26 Feb 2026)