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$45,110
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$46,513
−HK$1,425/mo
Today · 4.125%
HK$47,938
baseline
▲ 0.50% · 4.625%
HK$50,855
+HK$2,917/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$95,876/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,184
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$51,530
−HK$1,365/mo
Today · 4.125%
HK$52,895
baseline
▲ 0.50% · 4.625%
HK$55,683
+HK$2,788/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$105,790/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,131
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$55,815
−HK$1,711/mo
Today · 4.125%
HK$57,526
baseline
▲ 0.50% · 4.625%
HK$61,026
+HK$3,500/mo
Deposit HK$7.91M · loan HK$11.87M · min. income ≈ HK$115,052/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,221
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$61,836
−HK$1,638/mo
Today · 4.125%
HK$63,474
baseline
▲ 0.50% · 4.625%
HK$66,820
+HK$3,346/mo
Deposit HK$7.91M · loan HK$11.87M · min. income ≈ HK$126,948/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,153
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$65,118
−HK$1,996/mo
Today · 4.125%
HK$67,114
baseline
▲ 0.50% · 4.625%
HK$71,197
+HK$4,083/mo
Deposit HK$5.93M · loan HK$13.85M · min. income ≈ HK$134,228/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$741,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,258
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$72,142
−HK$1,911/mo
Today · 4.125%
HK$74,053
baseline
▲ 0.50% · 4.625%
HK$77,957
+HK$3,904/mo
Deposit HK$5.93M · loan HK$13.85M · min. income ≈ HK$148,106/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$741,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,197
−HK$5,092/mo
▼ 0.25% · 3.875%
HK$83,723
−HK$2,566/mo
Today · 4.125%
HK$86,289
baseline
▲ 0.50% · 4.625%
HK$91,540
+HK$5,251/mo
Deposit HK$1.98M · loan HK$17.80M · min. income ≈ HK$172,578/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,331
−HK$4,880/mo
▼ 0.25% · 3.875%
HK$92,754
−HK$2,457/mo
Today · 4.125%
HK$95,211
baseline
▲ 0.50% · 4.625%
HK$100,230
+HK$5,019/mo
Deposit HK$1.98M · loan HK$17.80M · min. income ≈ HK$190,422/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,851 · Scale 2, in force from 26 Feb 2026)