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$44,879
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$46,274
−HK$1,419/mo
Today · 4.125%
HK$47,693
baseline
▲ 0.50% · 4.625%
HK$50,595
+HK$2,902/mo
Deposit HK$9.84M · loan HK$9.84M · min. income ≈ HK$95,386/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$738,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,927
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$51,266
−HK$1,358/mo
Today · 4.125%
HK$52,624
baseline
▲ 0.50% · 4.625%
HK$55,398
+HK$2,774/mo
Deposit HK$9.84M · loan HK$9.84M · min. income ≈ HK$105,248/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$738,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,854
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$55,529
−HK$1,702/mo
Today · 4.125%
HK$57,231
baseline
▲ 0.50% · 4.625%
HK$60,714
+HK$3,483/mo
Deposit HK$7.87M · loan HK$11.81M · min. income ≈ HK$114,462/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$738,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,912
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$61,519
−HK$1,630/mo
Today · 4.125%
HK$63,149
baseline
▲ 0.50% · 4.625%
HK$66,478
+HK$3,329/mo
Deposit HK$7.87M · loan HK$11.81M · min. income ≈ HK$126,298/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$738,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,830
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$64,784
−HK$1,986/mo
Today · 4.125%
HK$66,770
baseline
▲ 0.50% · 4.625%
HK$70,833
+HK$4,063/mo
Deposit HK$5.90M · loan HK$13.78M · min. income ≈ HK$133,540/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$738,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,898
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$71,772
−HK$1,902/mo
Today · 4.125%
HK$73,674
baseline
▲ 0.50% · 4.625%
HK$77,557
+HK$3,883/mo
Deposit HK$5.90M · loan HK$13.78M · min. income ≈ HK$147,348/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$738,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,781
−HK$5,066/mo
▼ 0.25% · 3.875%
HK$83,294
−HK$2,553/mo
Today · 4.125%
HK$85,847
baseline
▲ 0.50% · 4.625%
HK$91,071
+HK$5,224/mo
Deposit HK$1.97M · loan HK$17.71M · min. income ≈ HK$171,694/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,868
−HK$4,856/mo
▼ 0.25% · 3.875%
HK$92,279
−HK$2,445/mo
Today · 4.125%
HK$94,724
baseline
▲ 0.50% · 4.625%
HK$99,717
+HK$4,993/mo
Deposit HK$1.97M · loan HK$17.71M · min. income ≈ HK$189,448/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,051 · Scale 2, in force from 26 Feb 2026)