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$44,591
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$45,978
−HK$1,409/mo
Today · 4.125%
HK$47,387
baseline
▲ 0.50% · 4.625%
HK$50,270
+HK$2,883/mo
Deposit HK$9.78M · loan HK$9.78M · min. income ≈ HK$94,774/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$733,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,607
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$50,937
−HK$1,350/mo
Today · 4.125%
HK$52,287
baseline
▲ 0.50% · 4.625%
HK$55,043
+HK$2,756/mo
Deposit HK$9.78M · loan HK$9.78M · min. income ≈ HK$104,574/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$733,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,509
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$55,173
−HK$1,691/mo
Today · 4.125%
HK$56,864
baseline
▲ 0.50% · 4.625%
HK$60,324
+HK$3,460/mo
Deposit HK$7.82M · loan HK$11.73M · min. income ≈ HK$113,728/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$733,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,528
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$61,124
−HK$1,620/mo
Today · 4.125%
HK$62,744
baseline
▲ 0.50% · 4.625%
HK$66,051
+HK$3,307/mo
Deposit HK$7.82M · loan HK$11.73M · min. income ≈ HK$125,488/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$733,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,427
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$64,369
−HK$1,973/mo
Today · 4.125%
HK$66,342
baseline
▲ 0.50% · 4.625%
HK$70,378
+HK$4,036/mo
Deposit HK$5.87M · loan HK$13.69M · min. income ≈ HK$132,684/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,449
−HK$3,752/mo
▼ 0.25% · 3.875%
HK$71,312
−HK$1,889/mo
Today · 4.125%
HK$73,201
baseline
▲ 0.50% · 4.625%
HK$77,060
+HK$3,859/mo
Deposit HK$5.87M · loan HK$13.69M · min. income ≈ HK$146,402/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,263
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$82,760
−HK$2,536/mo
Today · 4.125%
HK$85,296
baseline
▲ 0.50% · 4.625%
HK$90,486
+HK$5,190/mo
Deposit HK$1.96M · loan HK$17.60M · min. income ≈ HK$170,592/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,292
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$91,687
−HK$2,429/mo
Today · 4.125%
HK$94,116
baseline
▲ 0.50% · 4.625%
HK$99,077
+HK$4,961/mo
Deposit HK$1.96M · loan HK$17.60M · min. income ≈ HK$188,232/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,316 · Scale 2, in force from 26 Feb 2026)