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$44,407
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$45,789
−HK$1,403/mo
Today · 4.125%
HK$47,192
baseline
▲ 0.50% · 4.625%
HK$50,064
+HK$2,872/mo
Deposit HK$9.74M · loan HK$9.74M · min. income ≈ HK$94,384/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$730,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,403
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$50,728
−HK$1,344/mo
Today · 4.125%
HK$52,072
baseline
▲ 0.50% · 4.625%
HK$54,817
+HK$2,745/mo
Deposit HK$9.74M · loan HK$9.74M · min. income ≈ HK$104,144/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$730,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,289
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$54,946
−HK$1,685/mo
Today · 4.125%
HK$56,631
baseline
▲ 0.50% · 4.625%
HK$60,076
+HK$3,445/mo
Deposit HK$7.79M · loan HK$11.68M · min. income ≈ HK$113,262/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$730,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,283
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$60,873
−HK$1,613/mo
Today · 4.125%
HK$62,486
baseline
▲ 0.50% · 4.625%
HK$65,780
+HK$3,294/mo
Deposit HK$7.79M · loan HK$11.68M · min. income ≈ HK$124,972/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$730,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,170
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$64,104
−HK$1,965/mo
Today · 4.125%
HK$66,069
baseline
▲ 0.50% · 4.625%
HK$70,089
+HK$4,020/mo
Deposit HK$5.84M · loan HK$13.63M · min. income ≈ HK$132,138/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$730,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,164
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$71,019
−HK$1,882/mo
Today · 4.125%
HK$72,901
baseline
▲ 0.50% · 4.625%
HK$76,743
+HK$3,842/mo
Deposit HK$5.84M · loan HK$13.63M · min. income ≈ HK$145,802/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$730,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,933
−HK$5,013/mo
▼ 0.25% · 3.875%
HK$82,420
−HK$2,526/mo
Today · 4.125%
HK$84,946
baseline
▲ 0.50% · 4.625%
HK$90,115
+HK$5,169/mo
Deposit HK$1.95M · loan HK$17.53M · min. income ≈ HK$169,892/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,925
−HK$4,804/mo
▼ 0.25% · 3.875%
HK$91,310
−HK$2,419/mo
Today · 4.125%
HK$93,729
baseline
▲ 0.50% · 4.625%
HK$98,670
+HK$4,941/mo
Deposit HK$1.95M · loan HK$17.53M · min. income ≈ HK$187,458/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,303 · Scale 2, in force from 26 Feb 2026)