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$44,382
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$45,763
−HK$1,402/mo
Today · 4.125%
HK$47,165
baseline
▲ 0.50% · 4.625%
HK$50,035
+HK$2,870/mo
Deposit HK$9.73M · loan HK$9.73M · min. income ≈ HK$94,330/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$729,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,375
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$50,699
−HK$1,343/mo
Today · 4.125%
HK$52,042
baseline
▲ 0.50% · 4.625%
HK$54,785
+HK$2,743/mo
Deposit HK$9.73M · loan HK$9.73M · min. income ≈ HK$104,084/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$729,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,259
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$54,915
−HK$1,683/mo
Today · 4.125%
HK$56,598
baseline
▲ 0.50% · 4.625%
HK$60,042
+HK$3,444/mo
Deposit HK$7.79M · loan HK$11.68M · min. income ≈ HK$113,196/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$729,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,250
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$60,839
−HK$1,612/mo
Today · 4.125%
HK$62,451
baseline
▲ 0.50% · 4.625%
HK$65,743
+HK$3,292/mo
Deposit HK$7.79M · loan HK$11.68M · min. income ≈ HK$124,902/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$729,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,135
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$64,068
−HK$1,963/mo
Today · 4.125%
HK$66,031
baseline
▲ 0.50% · 4.625%
HK$70,049
+HK$4,018/mo
Deposit HK$5.84M · loan HK$13.62M · min. income ≈ HK$132,062/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$729,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,125
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$70,978
−HK$1,881/mo
Today · 4.125%
HK$72,859
baseline
▲ 0.50% · 4.625%
HK$76,700
+HK$3,841/mo
Deposit HK$5.84M · loan HK$13.62M · min. income ≈ HK$145,718/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$729,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,888
−HK$5,010/mo
▼ 0.25% · 3.875%
HK$82,373
−HK$2,525/mo
Today · 4.125%
HK$84,898
baseline
▲ 0.50% · 4.625%
HK$90,063
+HK$5,165/mo
Deposit HK$1.95M · loan HK$17.52M · min. income ≈ HK$169,796/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$729,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,874
−HK$4,802/mo
▼ 0.25% · 3.875%
HK$91,258
−HK$2,418/mo
Today · 4.125%
HK$93,676
baseline
▲ 0.50% · 4.625%
HK$98,614
+HK$4,938/mo
Deposit HK$1.95M · loan HK$17.52M · min. income ≈ HK$187,352/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$729,888 · Scale 2, in force from 26 Feb 2026)