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$44,899
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$46,295
−HK$1,419/mo
Today · 4.125%
HK$47,714
baseline
▲ 0.50% · 4.625%
HK$50,618
+HK$2,904/mo
Deposit HK$9.85M · loan HK$9.85M · min. income ≈ HK$95,428/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$738,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,949
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$51,289
−HK$1,359/mo
Today · 4.125%
HK$52,648
baseline
▲ 0.50% · 4.625%
HK$55,423
+HK$2,775/mo
Deposit HK$9.85M · loan HK$9.85M · min. income ≈ HK$105,296/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$738,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,878
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$55,554
−HK$1,703/mo
Today · 4.125%
HK$57,257
baseline
▲ 0.50% · 4.625%
HK$60,741
+HK$3,484/mo
Deposit HK$7.88M · loan HK$11.81M · min. income ≈ HK$114,514/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$738,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,939
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$61,547
−HK$1,631/mo
Today · 4.125%
HK$63,178
baseline
▲ 0.50% · 4.625%
HK$66,508
+HK$3,330/mo
Deposit HK$7.88M · loan HK$11.81M · min. income ≈ HK$126,356/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$738,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,858
−HK$3,942/mo
▼ 0.25% · 3.875%
HK$64,813
−HK$1,987/mo
Today · 4.125%
HK$66,800
baseline
▲ 0.50% · 4.625%
HK$70,865
+HK$4,065/mo
Deposit HK$5.91M · loan HK$13.78M · min. income ≈ HK$133,600/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$738,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,929
−HK$3,778/mo
▼ 0.25% · 3.875%
HK$71,805
−HK$1,902/mo
Today · 4.125%
HK$73,707
baseline
▲ 0.50% · 4.625%
HK$77,592
+HK$3,885/mo
Deposit HK$5.91M · loan HK$13.78M · min. income ≈ HK$147,414/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$738,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,818
−HK$5,068/mo
▼ 0.25% · 3.875%
HK$83,332
−HK$2,554/mo
Today · 4.125%
HK$85,886
baseline
▲ 0.50% · 4.625%
HK$91,112
+HK$5,226/mo
Deposit HK$1.97M · loan HK$17.72M · min. income ≈ HK$171,772/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,909
−HK$4,857/mo
▼ 0.25% · 3.875%
HK$92,320
−HK$2,446/mo
Today · 4.125%
HK$94,766
baseline
▲ 0.50% · 4.625%
HK$99,762
+HK$4,996/mo
Deposit HK$1.97M · loan HK$17.72M · min. income ≈ HK$189,532/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,383 · Scale 2, in force from 26 Feb 2026)