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$44,725
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$46,116
−HK$1,414/mo
Today · 4.125%
HK$47,530
baseline
▲ 0.50% · 4.625%
HK$50,422
+HK$2,892/mo
Deposit HK$9.81M · loan HK$9.81M · min. income ≈ HK$95,060/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$735,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,756
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$51,091
−HK$1,354/mo
Today · 4.125%
HK$52,445
baseline
▲ 0.50% · 4.625%
HK$55,209
+HK$2,764/mo
Deposit HK$9.81M · loan HK$9.81M · min. income ≈ HK$104,890/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$735,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,670
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$55,340
−HK$1,696/mo
Today · 4.125%
HK$57,036
baseline
▲ 0.50% · 4.625%
HK$60,506
+HK$3,470/mo
Deposit HK$7.85M · loan HK$11.77M · min. income ≈ HK$114,072/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$735,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,708
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$61,309
−HK$1,624/mo
Today · 4.125%
HK$62,933
baseline
▲ 0.50% · 4.625%
HK$66,251
+HK$3,318/mo
Deposit HK$7.85M · loan HK$11.77M · min. income ≈ HK$125,866/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$735,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,615
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$64,563
−HK$1,979/mo
Today · 4.125%
HK$66,542
baseline
▲ 0.50% · 4.625%
HK$70,591
+HK$4,049/mo
Deposit HK$5.88M · loan HK$13.73M · min. income ≈ HK$133,084/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,659
−HK$3,763/mo
▼ 0.25% · 3.875%
HK$71,527
−HK$1,895/mo
Today · 4.125%
HK$73,422
baseline
▲ 0.50% · 4.625%
HK$77,293
+HK$3,871/mo
Deposit HK$5.88M · loan HK$13.73M · min. income ≈ HK$146,844/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,505
−HK$5,049/mo
▼ 0.25% · 3.875%
HK$83,010
−HK$2,544/mo
Today · 4.125%
HK$85,554
baseline
▲ 0.50% · 4.625%
HK$90,760
+HK$5,206/mo
Deposit HK$1.96M · loan HK$17.65M · min. income ≈ HK$171,108/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,561
−HK$4,839/mo
▼ 0.25% · 3.875%
HK$91,963
−HK$2,437/mo
Today · 4.125%
HK$94,400
baseline
▲ 0.50% · 4.625%
HK$99,376
+HK$4,976/mo
Deposit HK$1.96M · loan HK$17.65M · min. income ≈ HK$188,800/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,530 · Scale 2, in force from 26 Feb 2026)