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$45,094
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$46,497
−HK$1,425/mo
Today · 4.125%
HK$47,922
baseline
▲ 0.50% · 4.625%
HK$50,838
+HK$2,916/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$95,844/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,166
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$51,512
−HK$1,365/mo
Today · 4.125%
HK$52,877
baseline
▲ 0.50% · 4.625%
HK$55,664
+HK$2,787/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$105,754/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,113
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$55,796
−HK$1,710/mo
Today · 4.125%
HK$57,506
baseline
▲ 0.50% · 4.625%
HK$61,005
+HK$3,499/mo
Deposit HK$7.91M · loan HK$11.87M · min. income ≈ HK$115,012/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,200
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$61,814
−HK$1,638/mo
Today · 4.125%
HK$63,452
baseline
▲ 0.50% · 4.625%
HK$66,797
+HK$3,345/mo
Deposit HK$7.91M · loan HK$11.87M · min. income ≈ HK$126,904/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,131
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$65,095
−HK$1,995/mo
Today · 4.125%
HK$67,090
baseline
▲ 0.50% · 4.625%
HK$71,173
+HK$4,083/mo
Deposit HK$5.93M · loan HK$13.84M · min. income ≈ HK$134,180/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$741,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,233
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$72,117
−HK$1,911/mo
Today · 4.125%
HK$74,028
baseline
▲ 0.50% · 4.625%
HK$77,930
+HK$3,902/mo
Deposit HK$5.93M · loan HK$13.84M · min. income ≈ HK$148,056/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$741,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,169
−HK$5,090/mo
▼ 0.25% · 3.875%
HK$83,694
−HK$2,565/mo
Today · 4.125%
HK$86,259
baseline
▲ 0.50% · 4.625%
HK$91,508
+HK$5,249/mo
Deposit HK$1.98M · loan HK$17.80M · min. income ≈ HK$172,518/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,300
−HK$4,878/mo
▼ 0.25% · 3.875%
HK$92,721
−HK$2,457/mo
Today · 4.125%
HK$95,178
baseline
▲ 0.50% · 4.625%
HK$100,195
+HK$5,017/mo
Deposit HK$1.98M · loan HK$17.80M · min. income ≈ HK$190,356/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,592 · Scale 2, in force from 26 Feb 2026)