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$45,479
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$46,894
−HK$1,437/mo
Today · 4.125%
HK$48,331
baseline
▲ 0.50% · 4.625%
HK$51,272
+HK$2,941/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$96,662/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$747,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,595
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$51,952
−HK$1,376/mo
Today · 4.125%
HK$53,328
baseline
▲ 0.50% · 4.625%
HK$56,139
+HK$2,811/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$106,656/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$747,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,575
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$56,272
−HK$1,725/mo
Today · 4.125%
HK$57,997
baseline
▲ 0.50% · 4.625%
HK$61,526
+HK$3,529/mo
Deposit HK$7.98M · loan HK$11.97M · min. income ≈ HK$115,994/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$747,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,714
−HK$3,280/mo
▼ 0.25% · 3.875%
HK$62,342
−HK$1,652/mo
Today · 4.125%
HK$63,994
baseline
▲ 0.50% · 4.625%
HK$67,367
+HK$3,373/mo
Deposit HK$7.98M · loan HK$11.97M · min. income ≈ HK$127,988/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$747,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,671
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$65,651
−HK$2,012/mo
Today · 4.125%
HK$67,663
baseline
▲ 0.50% · 4.625%
HK$71,780
+HK$4,117/mo
Deposit HK$5.98M · loan HK$13.96M · min. income ≈ HK$135,326/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,833
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$72,733
−HK$1,927/mo
Today · 4.125%
HK$74,660
baseline
▲ 0.50% · 4.625%
HK$78,595
+HK$3,935/mo
Deposit HK$5.98M · loan HK$13.96M · min. income ≈ HK$149,320/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,862
−HK$5,134/mo
▼ 0.25% · 3.875%
HK$84,409
−HK$2,587/mo
Today · 4.125%
HK$86,996
baseline
▲ 0.50% · 4.625%
HK$92,289
+HK$5,293/mo
Deposit HK$1.99M · loan HK$17.95M · min. income ≈ HK$173,992/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,071
−HK$4,920/mo
▼ 0.25% · 3.875%
HK$93,513
−HK$2,478/mo
Today · 4.125%
HK$95,991
baseline
▲ 0.50% · 4.625%
HK$101,051
+HK$5,060/mo
Deposit HK$1.99M · loan HK$17.95M · min. income ≈ HK$191,982/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,926 · Scale 2, in force from 26 Feb 2026)