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$45,116
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$46,519
−HK$1,426/mo
Today · 4.125%
HK$47,945
baseline
▲ 0.50% · 4.625%
HK$50,862
+HK$2,917/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$95,890/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,191
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$51,537
−HK$1,365/mo
Today · 4.125%
HK$52,902
baseline
▲ 0.50% · 4.625%
HK$55,691
+HK$2,789/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$105,804/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,139
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$55,823
−HK$1,711/mo
Today · 4.125%
HK$57,534
baseline
▲ 0.50% · 4.625%
HK$61,035
+HK$3,501/mo
Deposit HK$7.91M · loan HK$11.87M · min. income ≈ HK$115,068/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$741,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,229
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$61,844
−HK$1,639/mo
Today · 4.125%
HK$63,483
baseline
▲ 0.50% · 4.625%
HK$66,829
+HK$3,346/mo
Deposit HK$7.91M · loan HK$11.87M · min. income ≈ HK$126,966/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$741,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,162
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$65,127
−HK$1,996/mo
Today · 4.125%
HK$67,123
baseline
▲ 0.50% · 4.625%
HK$71,207
+HK$4,084/mo
Deposit HK$5.94M · loan HK$13.85M · min. income ≈ HK$134,246/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$741,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,267
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$72,152
−HK$1,911/mo
Today · 4.125%
HK$74,063
baseline
▲ 0.50% · 4.625%
HK$77,967
+HK$3,904/mo
Deposit HK$5.94M · loan HK$13.85M · min. income ≈ HK$148,126/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$741,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,208
−HK$5,093/mo
▼ 0.25% · 3.875%
HK$83,734
−HK$2,567/mo
Today · 4.125%
HK$86,301
baseline
▲ 0.50% · 4.625%
HK$91,552
+HK$5,251/mo
Deposit HK$1.98M · loan HK$17.81M · min. income ≈ HK$172,602/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,343
−HK$4,881/mo
▼ 0.25% · 3.875%
HK$92,766
−HK$2,458/mo
Today · 4.125%
HK$95,224
baseline
▲ 0.50% · 4.625%
HK$100,244
+HK$5,020/mo
Deposit HK$1.98M · loan HK$17.81M · min. income ≈ HK$190,448/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,953 · Scale 2, in force from 26 Feb 2026)