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$44,579
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$45,966
−HK$1,409/mo
Today · 4.125%
HK$47,375
baseline
▲ 0.50% · 4.625%
HK$50,258
+HK$2,883/mo
Deposit HK$9.78M · loan HK$9.78M · min. income ≈ HK$94,750/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$733,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,594
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$50,924
−HK$1,350/mo
Today · 4.125%
HK$52,274
baseline
▲ 0.50% · 4.625%
HK$55,029
+HK$2,755/mo
Deposit HK$9.78M · loan HK$9.78M · min. income ≈ HK$104,548/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$733,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,495
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$55,159
−HK$1,691/mo
Today · 4.125%
HK$56,850
baseline
▲ 0.50% · 4.625%
HK$60,309
+HK$3,459/mo
Deposit HK$7.82M · loan HK$11.73M · min. income ≈ HK$113,700/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$733,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,513
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$61,109
−HK$1,619/mo
Today · 4.125%
HK$62,728
baseline
▲ 0.50% · 4.625%
HK$66,035
+HK$3,307/mo
Deposit HK$7.82M · loan HK$11.73M · min. income ≈ HK$125,456/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$733,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,411
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$64,353
−HK$1,972/mo
Today · 4.125%
HK$66,325
baseline
▲ 0.50% · 4.625%
HK$70,361
+HK$4,036/mo
Deposit HK$5.87M · loan HK$13.69M · min. income ≈ HK$132,650/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,432
−HK$3,751/mo
▼ 0.25% · 3.875%
HK$71,294
−HK$1,889/mo
Today · 4.125%
HK$73,183
baseline
▲ 0.50% · 4.625%
HK$77,041
+HK$3,858/mo
Deposit HK$5.87M · loan HK$13.69M · min. income ≈ HK$146,366/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,243
−HK$5,032/mo
▼ 0.25% · 3.875%
HK$82,739
−HK$2,536/mo
Today · 4.125%
HK$85,275
baseline
▲ 0.50% · 4.625%
HK$90,464
+HK$5,189/mo
Deposit HK$1.96M · loan HK$17.60M · min. income ≈ HK$170,550/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,270
−HK$4,823/mo
▼ 0.25% · 3.875%
HK$91,664
−HK$2,429/mo
Today · 4.125%
HK$94,093
baseline
▲ 0.50% · 4.625%
HK$99,052
+HK$4,959/mo
Deposit HK$1.96M · loan HK$17.60M · min. income ≈ HK$188,186/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,133 · Scale 2, in force from 26 Feb 2026)