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$44,649
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$46,038
−HK$1,411/mo
Today · 4.125%
HK$47,449
baseline
▲ 0.50% · 4.625%
HK$50,336
+HK$2,887/mo
Deposit HK$9.79M · loan HK$9.79M · min. income ≈ HK$94,898/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$734,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,672
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$51,004
−HK$1,351/mo
Today · 4.125%
HK$52,355
baseline
▲ 0.50% · 4.625%
HK$55,115
+HK$2,760/mo
Deposit HK$9.79M · loan HK$9.79M · min. income ≈ HK$104,710/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$734,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,579
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$55,246
−HK$1,693/mo
Today · 4.125%
HK$56,939
baseline
▲ 0.50% · 4.625%
HK$60,403
+HK$3,464/mo
Deposit HK$7.83M · loan HK$11.75M · min. income ≈ HK$113,878/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,606
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$61,205
−HK$1,621/mo
Today · 4.125%
HK$62,826
baseline
▲ 0.50% · 4.625%
HK$66,138
+HK$3,312/mo
Deposit HK$7.83M · loan HK$11.75M · min. income ≈ HK$125,652/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,509
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$64,453
−HK$1,976/mo
Today · 4.125%
HK$66,429
baseline
▲ 0.50% · 4.625%
HK$70,471
+HK$4,042/mo
Deposit HK$5.87M · loan HK$13.71M · min. income ≈ HK$132,858/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,540
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$71,405
−HK$1,892/mo
Today · 4.125%
HK$73,297
baseline
▲ 0.50% · 4.625%
HK$77,161
+HK$3,864/mo
Deposit HK$5.87M · loan HK$13.71M · min. income ≈ HK$146,594/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,368
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$82,868
−HK$2,540/mo
Today · 4.125%
HK$85,408
baseline
▲ 0.50% · 4.625%
HK$90,605
+HK$5,197/mo
Deposit HK$1.96M · loan HK$17.62M · min. income ≈ HK$170,816/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,409
−HK$4,831/mo
▼ 0.25% · 3.875%
HK$91,807
−HK$2,433/mo
Today · 4.125%
HK$94,240
baseline
▲ 0.50% · 4.625%
HK$99,207
+HK$4,967/mo
Deposit HK$1.96M · loan HK$17.62M · min. income ≈ HK$188,480/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,278 · Scale 2, in force from 26 Feb 2026)