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$44,796
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$46,189
−HK$1,416/mo
Today · 4.125%
HK$47,605
baseline
▲ 0.50% · 4.625%
HK$50,501
+HK$2,896/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$95,210/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$736,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,835
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$51,171
−HK$1,356/mo
Today · 4.125%
HK$52,527
baseline
▲ 0.50% · 4.625%
HK$55,296
+HK$2,769/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$105,054/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$736,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,755
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$55,427
−HK$1,699/mo
Today · 4.125%
HK$57,126
baseline
▲ 0.50% · 4.625%
HK$60,601
+HK$3,475/mo
Deposit HK$7.86M · loan HK$11.79M · min. income ≈ HK$114,252/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$736,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,801
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$61,405
−HK$1,627/mo
Today · 4.125%
HK$63,032
baseline
▲ 0.50% · 4.625%
HK$66,355
+HK$3,323/mo
Deposit HK$7.86M · loan HK$11.79M · min. income ≈ HK$126,064/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$736,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,714
−HK$3,932/mo
▼ 0.25% · 3.875%
HK$64,664
−HK$1,982/mo
Today · 4.125%
HK$66,646
baseline
▲ 0.50% · 4.625%
HK$70,702
+HK$4,056/mo
Deposit HK$5.89M · loan HK$13.75M · min. income ≈ HK$133,292/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,768
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$71,640
−HK$1,898/mo
Today · 4.125%
HK$73,538
baseline
▲ 0.50% · 4.625%
HK$77,414
+HK$3,876/mo
Deposit HK$5.89M · loan HK$13.75M · min. income ≈ HK$147,076/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,632
−HK$5,056/mo
▼ 0.25% · 3.875%
HK$83,140
−HK$2,548/mo
Today · 4.125%
HK$85,688
baseline
▲ 0.50% · 4.625%
HK$90,902
+HK$5,214/mo
Deposit HK$1.96M · loan HK$17.68M · min. income ≈ HK$171,376/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,702
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$92,108
−HK$2,441/mo
Today · 4.125%
HK$94,549
baseline
▲ 0.50% · 4.625%
HK$99,532
+HK$4,983/mo
Deposit HK$1.96M · loan HK$17.68M · min. income ≈ HK$189,098/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,686 · Scale 2, in force from 26 Feb 2026)