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$44,340
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$45,719
−HK$1,402/mo
Today · 4.125%
HK$47,121
baseline
▲ 0.50% · 4.625%
HK$49,988
+HK$2,867/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$94,242/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$729,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,328
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$50,651
−HK$1,342/mo
Today · 4.125%
HK$51,993
baseline
▲ 0.50% · 4.625%
HK$54,733
+HK$2,740/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$103,986/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$729,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,208
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$54,863
−HK$1,682/mo
Today · 4.125%
HK$56,545
baseline
▲ 0.50% · 4.625%
HK$59,985
+HK$3,440/mo
Deposit HK$7.78M · loan HK$11.67M · min. income ≈ HK$113,090/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,193
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$60,781
−HK$1,610/mo
Today · 4.125%
HK$62,391
baseline
▲ 0.50% · 4.625%
HK$65,680
+HK$3,289/mo
Deposit HK$7.78M · loan HK$11.67M · min. income ≈ HK$124,782/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,076
−HK$3,893/mo
▼ 0.25% · 3.875%
HK$64,007
−HK$1,962/mo
Today · 4.125%
HK$65,969
baseline
▲ 0.50% · 4.625%
HK$69,983
+HK$4,014/mo
Deposit HK$5.83M · loan HK$13.61M · min. income ≈ HK$131,938/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$729,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,059
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$70,911
−HK$1,879/mo
Today · 4.125%
HK$72,790
baseline
▲ 0.50% · 4.625%
HK$76,627
+HK$3,837/mo
Deposit HK$5.83M · loan HK$13.61M · min. income ≈ HK$145,580/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$729,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,812
−HK$5,005/mo
▼ 0.25% · 3.875%
HK$82,295
−HK$2,522/mo
Today · 4.125%
HK$84,817
baseline
▲ 0.50% · 4.625%
HK$89,978
+HK$5,161/mo
Deposit HK$1.94M · loan HK$17.50M · min. income ≈ HK$169,634/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$729,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,790
−HK$4,797/mo
▼ 0.25% · 3.875%
HK$91,171
−HK$2,416/mo
Today · 4.125%
HK$93,587
baseline
▲ 0.50% · 4.625%
HK$98,520
+HK$4,933/mo
Deposit HK$1.94M · loan HK$17.50M · min. income ≈ HK$187,174/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$729,195 · Scale 2, in force from 26 Feb 2026)