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$44,705
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$46,096
−HK$1,412/mo
Today · 4.125%
HK$47,508
baseline
▲ 0.50% · 4.625%
HK$50,399
+HK$2,891/mo
Deposit HK$9.80M · loan HK$9.80M · min. income ≈ HK$95,016/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$735,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,734
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$51,068
−HK$1,353/mo
Today · 4.125%
HK$52,421
baseline
▲ 0.50% · 4.625%
HK$55,184
+HK$2,763/mo
Deposit HK$9.80M · loan HK$9.80M · min. income ≈ HK$104,842/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$735,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,646
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$55,315
−HK$1,695/mo
Today · 4.125%
HK$57,010
baseline
▲ 0.50% · 4.625%
HK$60,479
+HK$3,469/mo
Deposit HK$7.84M · loan HK$11.76M · min. income ≈ HK$114,020/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$735,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,681
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$61,281
−HK$1,624/mo
Today · 4.125%
HK$62,905
baseline
▲ 0.50% · 4.625%
HK$66,221
+HK$3,316/mo
Deposit HK$7.84M · loan HK$11.76M · min. income ≈ HK$125,810/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$735,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,587
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$64,534
−HK$1,978/mo
Today · 4.125%
HK$66,512
baseline
▲ 0.50% · 4.625%
HK$70,559
+HK$4,047/mo
Deposit HK$5.88M · loan HK$13.72M · min. income ≈ HK$133,024/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,627
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$71,495
−HK$1,894/mo
Today · 4.125%
HK$73,389
baseline
▲ 0.50% · 4.625%
HK$77,257
+HK$3,868/mo
Deposit HK$5.88M · loan HK$13.72M · min. income ≈ HK$146,778/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,469
−HK$5,046/mo
▼ 0.25% · 3.875%
HK$82,972
−HK$2,543/mo
Today · 4.125%
HK$85,515
baseline
▲ 0.50% · 4.625%
HK$90,718
+HK$5,203/mo
Deposit HK$1.96M · loan HK$17.64M · min. income ≈ HK$171,030/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,521
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$91,922
−HK$2,435/mo
Today · 4.125%
HK$94,357
baseline
▲ 0.50% · 4.625%
HK$99,331
+HK$4,974/mo
Deposit HK$1.96M · loan HK$17.64M · min. income ≈ HK$188,714/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,196 · Scale 2, in force from 26 Feb 2026)