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$44,324
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$45,703
−HK$1,400/mo
Today · 4.125%
HK$47,103
baseline
▲ 0.50% · 4.625%
HK$49,970
+HK$2,867/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$94,206/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$728,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,310
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$50,632
−HK$1,342/mo
Today · 4.125%
HK$51,974
baseline
▲ 0.50% · 4.625%
HK$54,714
+HK$2,740/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$103,948/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$728,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,189
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$54,843
−HK$1,681/mo
Today · 4.125%
HK$56,524
baseline
▲ 0.50% · 4.625%
HK$59,963
+HK$3,439/mo
Deposit HK$7.78M · loan HK$11.66M · min. income ≈ HK$113,048/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,172
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$60,759
−HK$1,610/mo
Today · 4.125%
HK$62,369
baseline
▲ 0.50% · 4.625%
HK$65,656
+HK$3,287/mo
Deposit HK$7.78M · loan HK$11.66M · min. income ≈ HK$124,738/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,053
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$63,984
−HK$1,961/mo
Today · 4.125%
HK$65,945
baseline
▲ 0.50% · 4.625%
HK$69,957
+HK$4,012/mo
Deposit HK$5.83M · loan HK$13.61M · min. income ≈ HK$131,890/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,034
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$70,885
−HK$1,879/mo
Today · 4.125%
HK$72,764
baseline
▲ 0.50% · 4.625%
HK$76,599
+HK$3,835/mo
Deposit HK$5.83M · loan HK$13.61M · min. income ≈ HK$145,528/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,783
−HK$5,003/mo
▼ 0.25% · 3.875%
HK$82,265
−HK$2,521/mo
Today · 4.125%
HK$84,786
baseline
▲ 0.50% · 4.625%
HK$89,945
+HK$5,159/mo
Deposit HK$1.94M · loan HK$17.49M · min. income ≈ HK$169,572/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,758
−HK$4,795/mo
▼ 0.25% · 3.875%
HK$91,138
−HK$2,415/mo
Today · 4.125%
HK$93,553
baseline
▲ 0.50% · 4.625%
HK$98,484
+HK$4,931/mo
Deposit HK$1.94M · loan HK$17.49M · min. income ≈ HK$187,106/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,930 · Scale 2, in force from 26 Feb 2026)