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$45,453
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$46,867
−HK$1,436/mo
Today · 4.125%
HK$48,303
baseline
▲ 0.50% · 4.625%
HK$51,242
+HK$2,939/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$96,606/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$747,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,566
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$51,922
−HK$1,376/mo
Today · 4.125%
HK$53,298
baseline
▲ 0.50% · 4.625%
HK$56,107
+HK$2,809/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$106,596/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$747,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,544
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$56,240
−HK$1,724/mo
Today · 4.125%
HK$57,964
baseline
▲ 0.50% · 4.625%
HK$61,491
+HK$3,527/mo
Deposit HK$7.97M · loan HK$11.96M · min. income ≈ HK$115,928/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,679
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$62,307
−HK$1,651/mo
Today · 4.125%
HK$63,958
baseline
▲ 0.50% · 4.625%
HK$67,329
+HK$3,371/mo
Deposit HK$7.97M · loan HK$11.96M · min. income ≈ HK$127,916/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,634
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$65,614
−HK$2,011/mo
Today · 4.125%
HK$67,625
baseline
▲ 0.50% · 4.625%
HK$71,739
+HK$4,114/mo
Deposit HK$5.98M · loan HK$13.95M · min. income ≈ HK$135,250/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,792
−HK$3,825/mo
▼ 0.25% · 3.875%
HK$72,691
−HK$1,926/mo
Today · 4.125%
HK$74,617
baseline
▲ 0.50% · 4.625%
HK$78,550
+HK$3,933/mo
Deposit HK$5.98M · loan HK$13.95M · min. income ≈ HK$149,234/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,815
−HK$5,131/mo
▼ 0.25% · 3.875%
HK$84,360
−HK$2,586/mo
Today · 4.125%
HK$86,946
baseline
▲ 0.50% · 4.625%
HK$92,236
+HK$5,290/mo
Deposit HK$1.99M · loan HK$17.94M · min. income ≈ HK$173,892/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,019
−HK$4,917/mo
▼ 0.25% · 3.875%
HK$93,460
−HK$2,476/mo
Today · 4.125%
HK$95,936
baseline
▲ 0.50% · 4.625%
HK$100,993
+HK$5,057/mo
Deposit HK$1.99M · loan HK$17.94M · min. income ≈ HK$191,872/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,499 · Scale 2, in force from 26 Feb 2026)