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$44,681
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$46,071
−HK$1,412/mo
Today · 4.125%
HK$47,483
baseline
▲ 0.50% · 4.625%
HK$50,372
+HK$2,889/mo
Deposit HK$9.80M · loan HK$9.80M · min. income ≈ HK$94,966/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$734,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,707
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$51,040
−HK$1,353/mo
Today · 4.125%
HK$52,393
baseline
▲ 0.50% · 4.625%
HK$55,154
+HK$2,761/mo
Deposit HK$9.80M · loan HK$9.80M · min. income ≈ HK$104,786/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$734,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,617
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$55,285
−HK$1,694/mo
Today · 4.125%
HK$56,979
baseline
▲ 0.50% · 4.625%
HK$60,446
+HK$3,467/mo
Deposit HK$7.84M · loan HK$11.76M · min. income ≈ HK$113,958/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,648
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$61,248
−HK$1,623/mo
Today · 4.125%
HK$62,871
baseline
▲ 0.50% · 4.625%
HK$66,185
+HK$3,314/mo
Deposit HK$7.84M · loan HK$11.76M · min. income ≈ HK$125,742/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,553
−HK$3,923/mo
▼ 0.25% · 3.875%
HK$64,499
−HK$1,977/mo
Today · 4.125%
HK$66,476
baseline
▲ 0.50% · 4.625%
HK$70,521
+HK$4,045/mo
Deposit HK$5.88M · loan HK$13.72M · min. income ≈ HK$132,952/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,590
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$71,456
−HK$1,894/mo
Today · 4.125%
HK$73,350
baseline
▲ 0.50% · 4.625%
HK$77,216
+HK$3,866/mo
Deposit HK$5.88M · loan HK$13.72M · min. income ≈ HK$146,700/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,426
−HK$5,043/mo
▼ 0.25% · 3.875%
HK$82,927
−HK$2,542/mo
Today · 4.125%
HK$85,469
baseline
▲ 0.50% · 4.625%
HK$90,670
+HK$5,201/mo
Deposit HK$1.96M · loan HK$17.64M · min. income ≈ HK$170,938/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,473
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$91,872
−HK$2,435/mo
Today · 4.125%
HK$94,307
baseline
▲ 0.50% · 4.625%
HK$99,278
+HK$4,971/mo
Deposit HK$1.96M · loan HK$17.64M · min. income ≈ HK$188,614/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,800 · Scale 2, in force from 26 Feb 2026)