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$44,578
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$45,965
−HK$1,409/mo
Today · 4.125%
HK$47,374
baseline
▲ 0.50% · 4.625%
HK$50,257
+HK$2,883/mo
Deposit HK$9.77M · loan HK$9.77M · min. income ≈ HK$94,748/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$733,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,593
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$50,923
−HK$1,349/mo
Today · 4.125%
HK$52,272
baseline
▲ 0.50% · 4.625%
HK$55,028
+HK$2,756/mo
Deposit HK$9.77M · loan HK$9.77M · min. income ≈ HK$104,544/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$733,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,494
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$55,158
−HK$1,691/mo
Today · 4.125%
HK$56,849
baseline
▲ 0.50% · 4.625%
HK$60,308
+HK$3,459/mo
Deposit HK$7.82M · loan HK$11.73M · min. income ≈ HK$113,698/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$733,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,512
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$61,108
−HK$1,619/mo
Today · 4.125%
HK$62,727
baseline
▲ 0.50% · 4.625%
HK$66,033
+HK$3,306/mo
Deposit HK$7.82M · loan HK$11.73M · min. income ≈ HK$125,454/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$733,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,410
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$64,351
−HK$1,973/mo
Today · 4.125%
HK$66,324
baseline
▲ 0.50% · 4.625%
HK$70,359
+HK$4,035/mo
Deposit HK$5.86M · loan HK$13.68M · min. income ≈ HK$132,648/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,430
−HK$3,751/mo
▼ 0.25% · 3.875%
HK$71,292
−HK$1,889/mo
Today · 4.125%
HK$73,181
baseline
▲ 0.50% · 4.625%
HK$77,039
+HK$3,858/mo
Deposit HK$5.86M · loan HK$13.68M · min. income ≈ HK$146,362/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,241
−HK$5,032/mo
▼ 0.25% · 3.875%
HK$82,737
−HK$2,536/mo
Today · 4.125%
HK$85,273
baseline
▲ 0.50% · 4.625%
HK$90,462
+HK$5,189/mo
Deposit HK$1.95M · loan HK$17.59M · min. income ≈ HK$170,546/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,268
−HK$4,822/mo
▼ 0.25% · 3.875%
HK$91,662
−HK$2,428/mo
Today · 4.125%
HK$94,090
baseline
▲ 0.50% · 4.625%
HK$99,050
+HK$4,960/mo
Deposit HK$1.95M · loan HK$17.59M · min. income ≈ HK$188,180/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,117 · Scale 2, in force from 26 Feb 2026)