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$44,800
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$46,193
−HK$1,416/mo
Today · 4.125%
HK$47,609
baseline
▲ 0.50% · 4.625%
HK$50,506
+HK$2,897/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$95,218/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$736,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,839
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$51,176
−HK$1,356/mo
Today · 4.125%
HK$52,532
baseline
▲ 0.50% · 4.625%
HK$55,301
+HK$2,769/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$105,064/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$736,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,760
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$55,432
−HK$1,699/mo
Today · 4.125%
HK$57,131
baseline
▲ 0.50% · 4.625%
HK$60,607
+HK$3,476/mo
Deposit HK$7.86M · loan HK$11.79M · min. income ≈ HK$114,262/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$736,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,807
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$61,411
−HK$1,627/mo
Today · 4.125%
HK$63,038
baseline
▲ 0.50% · 4.625%
HK$66,361
+HK$3,323/mo
Deposit HK$7.86M · loan HK$11.79M · min. income ≈ HK$126,076/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$736,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,719
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$64,670
−HK$1,983/mo
Today · 4.125%
HK$66,653
baseline
▲ 0.50% · 4.625%
HK$70,708
+HK$4,055/mo
Deposit HK$5.89M · loan HK$13.75M · min. income ≈ HK$133,306/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,775
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$71,646
−HK$1,898/mo
Today · 4.125%
HK$73,544
baseline
▲ 0.50% · 4.625%
HK$77,421
+HK$3,877/mo
Deposit HK$5.89M · loan HK$13.75M · min. income ≈ HK$147,088/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,639
−HK$5,057/mo
▼ 0.25% · 3.875%
HK$83,148
−HK$2,548/mo
Today · 4.125%
HK$85,696
baseline
▲ 0.50% · 4.625%
HK$90,910
+HK$5,214/mo
Deposit HK$1.96M · loan HK$17.68M · min. income ≈ HK$171,392/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,710
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$92,116
−HK$2,441/mo
Today · 4.125%
HK$94,557
baseline
▲ 0.50% · 4.625%
HK$99,541
+HK$4,984/mo
Deposit HK$1.96M · loan HK$17.68M · min. income ≈ HK$189,114/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,753 · Scale 2, in force from 26 Feb 2026)