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$44,840
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$46,235
−HK$1,417/mo
Today · 4.125%
HK$47,652
baseline
▲ 0.50% · 4.625%
HK$50,552
+HK$2,900/mo
Deposit HK$9.83M · loan HK$9.83M · min. income ≈ HK$95,304/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,884
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$51,222
−HK$1,357/mo
Today · 4.125%
HK$52,579
baseline
▲ 0.50% · 4.625%
HK$55,351
+HK$2,772/mo
Deposit HK$9.83M · loan HK$9.83M · min. income ≈ HK$105,158/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,808
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$55,482
−HK$1,701/mo
Today · 4.125%
HK$57,183
baseline
▲ 0.50% · 4.625%
HK$60,662
+HK$3,479/mo
Deposit HK$7.87M · loan HK$11.80M · min. income ≈ HK$114,366/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$737,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,861
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$61,467
−HK$1,628/mo
Today · 4.125%
HK$63,095
baseline
▲ 0.50% · 4.625%
HK$66,421
+HK$3,326/mo
Deposit HK$7.87M · loan HK$11.80M · min. income ≈ HK$126,190/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$737,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,776
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$64,729
−HK$1,984/mo
Today · 4.125%
HK$66,713
baseline
▲ 0.50% · 4.625%
HK$70,772
+HK$4,059/mo
Deposit HK$5.90M · loan HK$13.77M · min. income ≈ HK$133,426/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,838
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$71,711
−HK$1,900/mo
Today · 4.125%
HK$73,611
baseline
▲ 0.50% · 4.625%
HK$77,491
+HK$3,880/mo
Deposit HK$5.90M · loan HK$13.77M · min. income ≈ HK$147,222/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,713
−HK$5,061/mo
▼ 0.25% · 3.875%
HK$83,223
−HK$2,551/mo
Today · 4.125%
HK$85,774
baseline
▲ 0.50% · 4.625%
HK$90,993
+HK$5,219/mo
Deposit HK$1.97M · loan HK$17.70M · min. income ≈ HK$171,548/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,792
−HK$4,851/mo
▼ 0.25% · 3.875%
HK$92,200
−HK$2,443/mo
Today · 4.125%
HK$94,643
baseline
▲ 0.50% · 4.625%
HK$99,632
+HK$4,989/mo
Deposit HK$1.97M · loan HK$17.70M · min. income ≈ HK$189,286/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,422 · Scale 2, in force from 26 Feb 2026)