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$44,314
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$45,692
−HK$1,401/mo
Today · 4.125%
HK$47,093
baseline
▲ 0.50% · 4.625%
HK$49,958
+HK$2,865/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$94,186/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$728,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,299
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$50,621
−HK$1,341/mo
Today · 4.125%
HK$51,962
baseline
▲ 0.50% · 4.625%
HK$54,701
+HK$2,739/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$103,924/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$728,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,177
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$54,831
−HK$1,680/mo
Today · 4.125%
HK$56,511
baseline
▲ 0.50% · 4.625%
HK$59,950
+HK$3,439/mo
Deposit HK$7.77M · loan HK$11.66M · min. income ≈ HK$113,022/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,158
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$60,745
−HK$1,610/mo
Today · 4.125%
HK$62,355
baseline
▲ 0.50% · 4.625%
HK$65,641
+HK$3,286/mo
Deposit HK$7.77M · loan HK$11.66M · min. income ≈ HK$124,710/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,039
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$63,969
−HK$1,961/mo
Today · 4.125%
HK$65,930
baseline
▲ 0.50% · 4.625%
HK$69,941
+HK$4,011/mo
Deposit HK$5.83M · loan HK$13.60M · min. income ≈ HK$131,860/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,018
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$70,869
−HK$1,878/mo
Today · 4.125%
HK$72,747
baseline
▲ 0.50% · 4.625%
HK$76,582
+HK$3,835/mo
Deposit HK$5.83M · loan HK$13.60M · min. income ≈ HK$145,494/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,765
−HK$5,002/mo
▼ 0.25% · 3.875%
HK$82,246
−HK$2,521/mo
Today · 4.125%
HK$84,767
baseline
▲ 0.50% · 4.625%
HK$89,925
+HK$5,158/mo
Deposit HK$1.94M · loan HK$17.49M · min. income ≈ HK$169,534/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,738
−HK$4,794/mo
▼ 0.25% · 3.875%
HK$91,118
−HK$2,414/mo
Today · 4.125%
HK$93,532
baseline
▲ 0.50% · 4.625%
HK$98,462
+HK$4,930/mo
Deposit HK$1.94M · loan HK$17.49M · min. income ≈ HK$187,064/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,764 · Scale 2, in force from 26 Feb 2026)