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$44,497
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$45,881
−HK$1,407/mo
Today · 4.125%
HK$47,288
baseline
▲ 0.50% · 4.625%
HK$50,165
+HK$2,877/mo
Deposit HK$9.76M · loan HK$9.76M · min. income ≈ HK$94,576/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$731,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,503
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$50,830
−HK$1,347/mo
Today · 4.125%
HK$52,177
baseline
▲ 0.50% · 4.625%
HK$54,927
+HK$2,750/mo
Deposit HK$9.76M · loan HK$9.76M · min. income ≈ HK$104,354/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$731,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,397
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$55,058
−HK$1,687/mo
Today · 4.125%
HK$56,745
baseline
▲ 0.50% · 4.625%
HK$60,198
+HK$3,453/mo
Deposit HK$7.81M · loan HK$11.71M · min. income ≈ HK$113,490/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$731,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,403
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$60,996
−HK$1,617/mo
Today · 4.125%
HK$62,613
baseline
▲ 0.50% · 4.625%
HK$65,913
+HK$3,300/mo
Deposit HK$7.81M · loan HK$11.71M · min. income ≈ HK$125,226/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$731,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,296
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$64,234
−HK$1,969/mo
Today · 4.125%
HK$66,203
baseline
▲ 0.50% · 4.625%
HK$70,231
+HK$4,028/mo
Deposit HK$5.85M · loan HK$13.66M · min. income ≈ HK$132,406/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$731,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,304
−HK$3,744/mo
▼ 0.25% · 3.875%
HK$71,162
−HK$1,886/mo
Today · 4.125%
HK$73,048
baseline
▲ 0.50% · 4.625%
HK$76,898
+HK$3,850/mo
Deposit HK$5.85M · loan HK$13.66M · min. income ≈ HK$146,096/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$731,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,095
−HK$5,023/mo
▼ 0.25% · 3.875%
HK$82,586
−HK$2,532/mo
Today · 4.125%
HK$85,118
baseline
▲ 0.50% · 4.625%
HK$90,297
+HK$5,179/mo
Deposit HK$1.95M · loan HK$17.56M · min. income ≈ HK$170,236/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,105
−HK$4,814/mo
▼ 0.25% · 3.875%
HK$91,495
−HK$2,424/mo
Today · 4.125%
HK$93,919
baseline
▲ 0.50% · 4.625%
HK$98,869
+HK$4,950/mo
Deposit HK$1.95M · loan HK$17.56M · min. income ≈ HK$187,838/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,780 · Scale 2, in force from 26 Feb 2026)