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$44,891
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$46,288
−HK$1,418/mo
Today · 4.125%
HK$47,706
baseline
▲ 0.50% · 4.625%
HK$50,609
+HK$2,903/mo
Deposit HK$9.84M · loan HK$9.84M · min. income ≈ HK$95,412/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$738,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,941
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$51,281
−HK$1,358/mo
Today · 4.125%
HK$52,639
baseline
▲ 0.50% · 4.625%
HK$55,414
+HK$2,775/mo
Deposit HK$9.84M · loan HK$9.84M · min. income ≈ HK$105,278/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$738,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,870
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$55,545
−HK$1,703/mo
Today · 4.125%
HK$57,248
baseline
▲ 0.50% · 4.625%
HK$60,731
+HK$3,483/mo
Deposit HK$7.87M · loan HK$11.81M · min. income ≈ HK$114,496/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$738,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,929
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$61,537
−HK$1,630/mo
Today · 4.125%
HK$63,167
baseline
▲ 0.50% · 4.625%
HK$66,497
+HK$3,330/mo
Deposit HK$7.87M · loan HK$11.81M · min. income ≈ HK$126,334/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$738,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,848
−HK$3,941/mo
▼ 0.25% · 3.875%
HK$64,803
−HK$1,986/mo
Today · 4.125%
HK$66,789
baseline
▲ 0.50% · 4.625%
HK$70,853
+HK$4,064/mo
Deposit HK$5.91M · loan HK$13.78M · min. income ≈ HK$133,578/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$738,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,918
−HK$3,777/mo
▼ 0.25% · 3.875%
HK$71,793
−HK$1,902/mo
Today · 4.125%
HK$73,695
baseline
▲ 0.50% · 4.625%
HK$77,580
+HK$3,885/mo
Deposit HK$5.91M · loan HK$13.78M · min. income ≈ HK$147,390/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$738,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,804
−HK$5,068/mo
▼ 0.25% · 3.875%
HK$83,318
−HK$2,554/mo
Today · 4.125%
HK$85,872
baseline
▲ 0.50% · 4.625%
HK$91,097
+HK$5,225/mo
Deposit HK$1.97M · loan HK$17.72M · min. income ≈ HK$171,744/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,894
−HK$4,857/mo
▼ 0.25% · 3.875%
HK$92,305
−HK$2,446/mo
Today · 4.125%
HK$94,751
baseline
▲ 0.50% · 4.625%
HK$99,745
+HK$4,994/mo
Deposit HK$1.97M · loan HK$17.72M · min. income ≈ HK$189,502/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,261 · Scale 2, in force from 26 Feb 2026)