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$45,059
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$46,461
−HK$1,424/mo
Today · 4.125%
HK$47,885
baseline
▲ 0.50% · 4.625%
HK$50,798
+HK$2,913/mo
Deposit HK$9.88M · loan HK$9.88M · min. income ≈ HK$95,770/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$741,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,128
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$51,472
−HK$1,364/mo
Today · 4.125%
HK$52,836
baseline
▲ 0.50% · 4.625%
HK$55,621
+HK$2,785/mo
Deposit HK$9.88M · loan HK$9.88M · min. income ≈ HK$105,672/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$741,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,071
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$55,753
−HK$1,709/mo
Today · 4.125%
HK$57,462
baseline
▲ 0.50% · 4.625%
HK$60,958
+HK$3,496/mo
Deposit HK$7.90M · loan HK$11.86M · min. income ≈ HK$114,924/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,153
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$61,767
−HK$1,636/mo
Today · 4.125%
HK$63,403
baseline
▲ 0.50% · 4.625%
HK$66,745
+HK$3,342/mo
Deposit HK$7.90M · loan HK$11.86M · min. income ≈ HK$126,806/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,083
−HK$3,956/mo
▼ 0.25% · 3.875%
HK$65,045
−HK$1,994/mo
Today · 4.125%
HK$67,039
baseline
▲ 0.50% · 4.625%
HK$71,118
+HK$4,079/mo
Deposit HK$5.93M · loan HK$13.83M · min. income ≈ HK$134,078/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$741,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,179
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$72,061
−HK$1,909/mo
Today · 4.125%
HK$73,970
baseline
▲ 0.50% · 4.625%
HK$77,870
+HK$3,900/mo
Deposit HK$5.93M · loan HK$13.83M · min. income ≈ HK$147,940/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$741,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,106
−HK$5,086/mo
▼ 0.25% · 3.875%
HK$83,629
−HK$2,563/mo
Today · 4.125%
HK$86,192
baseline
▲ 0.50% · 4.625%
HK$91,437
+HK$5,245/mo
Deposit HK$1.98M · loan HK$17.78M · min. income ≈ HK$172,384/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,230
−HK$4,875/mo
▼ 0.25% · 3.875%
HK$92,650
−HK$2,455/mo
Today · 4.125%
HK$95,105
baseline
▲ 0.50% · 4.625%
HK$100,118
+HK$5,013/mo
Deposit HK$1.98M · loan HK$17.78M · min. income ≈ HK$190,210/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,021 · Scale 2, in force from 26 Feb 2026)