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$44,620
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$46,008
−HK$1,410/mo
Today · 4.125%
HK$47,418
baseline
▲ 0.50% · 4.625%
HK$50,304
+HK$2,886/mo
Deposit HK$9.78M · loan HK$9.78M · min. income ≈ HK$94,836/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$733,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,639
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$50,971
−HK$1,350/mo
Today · 4.125%
HK$52,321
baseline
▲ 0.50% · 4.625%
HK$55,079
+HK$2,758/mo
Deposit HK$9.78M · loan HK$9.78M · min. income ≈ HK$104,642/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$733,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,544
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$55,210
−HK$1,692/mo
Today · 4.125%
HK$56,902
baseline
▲ 0.50% · 4.625%
HK$60,364
+HK$3,462/mo
Deposit HK$7.83M · loan HK$11.74M · min. income ≈ HK$113,804/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$733,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,567
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$61,165
−HK$1,621/mo
Today · 4.125%
HK$62,786
baseline
▲ 0.50% · 4.625%
HK$66,095
+HK$3,309/mo
Deposit HK$7.83M · loan HK$11.74M · min. income ≈ HK$125,572/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$733,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,468
−HK$3,918/mo
▼ 0.25% · 3.875%
HK$64,411
−HK$1,975/mo
Today · 4.125%
HK$66,386
baseline
▲ 0.50% · 4.625%
HK$70,425
+HK$4,039/mo
Deposit HK$5.87M · loan HK$13.70M · min. income ≈ HK$132,772/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,495
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$71,359
−HK$1,891/mo
Today · 4.125%
HK$73,250
baseline
▲ 0.50% · 4.625%
HK$77,111
+HK$3,861/mo
Deposit HK$5.87M · loan HK$13.70M · min. income ≈ HK$146,500/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,316
−HK$5,037/mo
▼ 0.25% · 3.875%
HK$82,815
−HK$2,538/mo
Today · 4.125%
HK$85,353
baseline
▲ 0.50% · 4.625%
HK$90,546
+HK$5,193/mo
Deposit HK$1.96M · loan HK$17.61M · min. income ≈ HK$170,706/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,351
−HK$4,827/mo
▼ 0.25% · 3.875%
HK$91,747
−HK$2,431/mo
Today · 4.125%
HK$94,178
baseline
▲ 0.50% · 4.625%
HK$99,143
+HK$4,965/mo
Deposit HK$1.96M · loan HK$17.61M · min. income ≈ HK$188,356/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,802 · Scale 2, in force from 26 Feb 2026)