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$45,063
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$46,465
−HK$1,424/mo
Today · 4.125%
HK$47,889
baseline
▲ 0.50% · 4.625%
HK$50,803
+HK$2,914/mo
Deposit HK$9.88M · loan HK$9.88M · min. income ≈ HK$95,778/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$741,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,132
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$51,477
−HK$1,364/mo
Today · 4.125%
HK$52,841
baseline
▲ 0.50% · 4.625%
HK$55,626
+HK$2,785/mo
Deposit HK$9.88M · loan HK$9.88M · min. income ≈ HK$105,682/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$741,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,076
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$55,758
−HK$1,709/mo
Today · 4.125%
HK$57,467
baseline
▲ 0.50% · 4.625%
HK$60,964
+HK$3,497/mo
Deposit HK$7.90M · loan HK$11.86M · min. income ≈ HK$114,934/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,159
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$61,772
−HK$1,637/mo
Today · 4.125%
HK$63,409
baseline
▲ 0.50% · 4.625%
HK$66,751
+HK$3,342/mo
Deposit HK$7.90M · loan HK$11.86M · min. income ≈ HK$126,818/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,088
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$65,051
−HK$1,994/mo
Today · 4.125%
HK$67,045
baseline
▲ 0.50% · 4.625%
HK$71,124
+HK$4,079/mo
Deposit HK$5.93M · loan HK$13.83M · min. income ≈ HK$134,090/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$741,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,185
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$72,068
−HK$1,909/mo
Today · 4.125%
HK$73,977
baseline
▲ 0.50% · 4.625%
HK$77,877
+HK$3,900/mo
Deposit HK$5.93M · loan HK$13.83M · min. income ≈ HK$147,954/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$741,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,114
−HK$5,086/mo
▼ 0.25% · 3.875%
HK$83,637
−HK$2,563/mo
Today · 4.125%
HK$86,200
baseline
▲ 0.50% · 4.625%
HK$91,445
+HK$5,245/mo
Deposit HK$1.98M · loan HK$17.79M · min. income ≈ HK$172,400/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,238
−HK$4,876/mo
▼ 0.25% · 3.875%
HK$92,658
−HK$2,456/mo
Today · 4.125%
HK$95,114
baseline
▲ 0.50% · 4.625%
HK$100,127
+HK$5,013/mo
Deposit HK$1.98M · loan HK$17.79M · min. income ≈ HK$190,228/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,088 · Scale 2, in force from 26 Feb 2026)