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$44,964
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$46,363
−HK$1,421/mo
Today · 4.125%
HK$47,784
baseline
▲ 0.50% · 4.625%
HK$50,691
+HK$2,907/mo
Deposit HK$9.86M · loan HK$9.86M · min. income ≈ HK$95,568/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$739,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,022
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$51,364
−HK$1,361/mo
Today · 4.125%
HK$52,725
baseline
▲ 0.50% · 4.625%
HK$55,504
+HK$2,779/mo
Deposit HK$9.86M · loan HK$9.86M · min. income ≈ HK$105,450/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$739,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,957
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$55,635
−HK$1,706/mo
Today · 4.125%
HK$57,341
baseline
▲ 0.50% · 4.625%
HK$60,830
+HK$3,489/mo
Deposit HK$7.89M · loan HK$11.83M · min. income ≈ HK$114,682/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$739,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,027
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$61,637
−HK$1,633/mo
Today · 4.125%
HK$63,270
baseline
▲ 0.50% · 4.625%
HK$66,605
+HK$3,335/mo
Deposit HK$7.89M · loan HK$11.83M · min. income ≈ HK$126,540/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$739,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,950
−HK$3,947/mo
▼ 0.25% · 3.875%
HK$64,908
−HK$1,989/mo
Today · 4.125%
HK$66,897
baseline
▲ 0.50% · 4.625%
HK$70,968
+HK$4,071/mo
Deposit HK$5.92M · loan HK$13.80M · min. income ≈ HK$133,794/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$739,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,031
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$71,909
−HK$1,906/mo
Today · 4.125%
HK$73,815
baseline
▲ 0.50% · 4.625%
HK$77,706
+HK$3,891/mo
Deposit HK$5.92M · loan HK$13.80M · min. income ≈ HK$147,630/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$739,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,936
−HK$5,075/mo
▼ 0.25% · 3.875%
HK$83,453
−HK$2,558/mo
Today · 4.125%
HK$86,011
baseline
▲ 0.50% · 4.625%
HK$91,245
+HK$5,234/mo
Deposit HK$1.97M · loan HK$17.75M · min. income ≈ HK$172,022/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$739,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,040
−HK$4,865/mo
▼ 0.25% · 3.875%
HK$92,455
−HK$2,450/mo
Today · 4.125%
HK$94,905
baseline
▲ 0.50% · 4.625%
HK$99,907
+HK$5,002/mo
Deposit HK$1.97M · loan HK$17.75M · min. income ≈ HK$189,810/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$739,461 · Scale 2, in force from 26 Feb 2026)