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$45,019
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$46,420
−HK$1,422/mo
Today · 4.125%
HK$47,842
baseline
▲ 0.50% · 4.625%
HK$50,753
+HK$2,911/mo
Deposit HK$9.87M · loan HK$9.87M · min. income ≈ HK$95,684/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$740,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,083
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$51,427
−HK$1,362/mo
Today · 4.125%
HK$52,789
baseline
▲ 0.50% · 4.625%
HK$55,572
+HK$2,783/mo
Deposit HK$9.87M · loan HK$9.87M · min. income ≈ HK$105,578/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$740,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,023
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$55,703
−HK$1,708/mo
Today · 4.125%
HK$57,411
baseline
▲ 0.50% · 4.625%
HK$60,904
+HK$3,493/mo
Deposit HK$7.90M · loan HK$11.85M · min. income ≈ HK$114,822/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$740,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,100
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$61,712
−HK$1,635/mo
Today · 4.125%
HK$63,347
baseline
▲ 0.50% · 4.625%
HK$66,686
+HK$3,339/mo
Deposit HK$7.90M · loan HK$11.85M · min. income ≈ HK$126,694/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$740,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,027
−HK$3,952/mo
▼ 0.25% · 3.875%
HK$64,987
−HK$1,992/mo
Today · 4.125%
HK$66,979
baseline
▲ 0.50% · 4.625%
HK$71,055
+HK$4,076/mo
Deposit HK$5.92M · loan HK$13.82M · min. income ≈ HK$133,958/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$740,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,117
−HK$3,788/mo
▼ 0.25% · 3.875%
HK$71,997
−HK$1,908/mo
Today · 4.125%
HK$73,905
baseline
▲ 0.50% · 4.625%
HK$77,801
+HK$3,896/mo
Deposit HK$5.92M · loan HK$13.82M · min. income ≈ HK$147,810/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$740,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,035
−HK$5,081/mo
▼ 0.25% · 3.875%
HK$83,555
−HK$2,561/mo
Today · 4.125%
HK$86,116
baseline
▲ 0.50% · 4.625%
HK$91,356
+HK$5,240/mo
Deposit HK$1.97M · loan HK$17.77M · min. income ≈ HK$172,232/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$740,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,150
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$92,568
−HK$2,453/mo
Today · 4.125%
HK$95,021
baseline
▲ 0.50% · 4.625%
HK$100,029
+HK$5,008/mo
Deposit HK$1.97M · loan HK$17.77M · min. income ≈ HK$190,042/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$740,365 · Scale 2, in force from 26 Feb 2026)