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$44,302
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$45,680
−HK$1,400/mo
Today · 4.125%
HK$47,080
baseline
▲ 0.50% · 4.625%
HK$49,945
+HK$2,865/mo
Deposit HK$9.71M · loan HK$9.71M · min. income ≈ HK$94,160/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$728,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,286
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$50,608
−HK$1,340/mo
Today · 4.125%
HK$51,948
baseline
▲ 0.50% · 4.625%
HK$54,687
+HK$2,739/mo
Deposit HK$9.71M · loan HK$9.71M · min. income ≈ HK$103,896/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$728,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,163
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$54,816
−HK$1,680/mo
Today · 4.125%
HK$56,496
baseline
▲ 0.50% · 4.625%
HK$59,934
+HK$3,438/mo
Deposit HK$7.77M · loan HK$11.66M · min. income ≈ HK$112,992/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,143
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$60,729
−HK$1,609/mo
Today · 4.125%
HK$62,338
baseline
▲ 0.50% · 4.625%
HK$65,624
+HK$3,286/mo
Deposit HK$7.77M · loan HK$11.66M · min. income ≈ HK$124,676/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,023
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$63,952
−HK$1,960/mo
Today · 4.125%
HK$65,912
baseline
▲ 0.50% · 4.625%
HK$69,923
+HK$4,011/mo
Deposit HK$5.83M · loan HK$13.60M · min. income ≈ HK$131,824/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,000
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$70,851
−HK$1,877/mo
Today · 4.125%
HK$72,728
baseline
▲ 0.50% · 4.625%
HK$76,561
+HK$3,833/mo
Deposit HK$5.83M · loan HK$13.60M · min. income ≈ HK$145,456/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,744
−HK$5,001/mo
▼ 0.25% · 3.875%
HK$82,224
−HK$2,521/mo
Today · 4.125%
HK$84,745
baseline
▲ 0.50% · 4.625%
HK$89,901
+HK$5,156/mo
Deposit HK$1.94M · loan HK$17.49M · min. income ≈ HK$169,490/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,714
−HK$4,793/mo
▼ 0.25% · 3.875%
HK$91,094
−HK$2,413/mo
Today · 4.125%
HK$93,507
baseline
▲ 0.50% · 4.625%
HK$98,436
+HK$4,929/mo
Deposit HK$1.94M · loan HK$17.49M · min. income ≈ HK$187,014/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,573 · Scale 2, in force from 26 Feb 2026)