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$44,883
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$46,279
−HK$1,418/mo
Today · 4.125%
HK$47,697
baseline
▲ 0.50% · 4.625%
HK$50,600
+HK$2,903/mo
Deposit HK$9.84M · loan HK$9.84M · min. income ≈ HK$95,394/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$738,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,932
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$51,271
−HK$1,358/mo
Today · 4.125%
HK$52,629
baseline
▲ 0.50% · 4.625%
HK$55,404
+HK$2,775/mo
Deposit HK$9.84M · loan HK$9.84M · min. income ≈ HK$105,258/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$738,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,859
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$55,535
−HK$1,702/mo
Today · 4.125%
HK$57,237
baseline
▲ 0.50% · 4.625%
HK$60,720
+HK$3,483/mo
Deposit HK$7.87M · loan HK$11.81M · min. income ≈ HK$114,474/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$738,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,918
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$61,525
−HK$1,630/mo
Today · 4.125%
HK$63,155
baseline
▲ 0.50% · 4.625%
HK$66,484
+HK$3,329/mo
Deposit HK$7.87M · loan HK$11.81M · min. income ≈ HK$126,310/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$738,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,836
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$64,791
−HK$1,985/mo
Today · 4.125%
HK$66,776
baseline
▲ 0.50% · 4.625%
HK$70,840
+HK$4,064/mo
Deposit HK$5.90M · loan HK$13.78M · min. income ≈ HK$133,552/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$738,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,904
−HK$3,777/mo
▼ 0.25% · 3.875%
HK$71,779
−HK$1,902/mo
Today · 4.125%
HK$73,681
baseline
▲ 0.50% · 4.625%
HK$77,565
+HK$3,884/mo
Deposit HK$5.90M · loan HK$13.78M · min. income ≈ HK$147,362/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$738,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,789
−HK$5,066/mo
▼ 0.25% · 3.875%
HK$83,302
−HK$2,553/mo
Today · 4.125%
HK$85,855
baseline
▲ 0.50% · 4.625%
HK$91,079
+HK$5,224/mo
Deposit HK$1.97M · loan HK$17.71M · min. income ≈ HK$171,710/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,877
−HK$4,856/mo
▼ 0.25% · 3.875%
HK$92,288
−HK$2,445/mo
Today · 4.125%
HK$94,733
baseline
▲ 0.50% · 4.625%
HK$99,726
+HK$4,993/mo
Deposit HK$1.97M · loan HK$17.71M · min. income ≈ HK$189,466/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,122 · Scale 2, in force from 26 Feb 2026)