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$45,441
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$46,854
−HK$1,436/mo
Today · 4.125%
HK$48,290
baseline
▲ 0.50% · 4.625%
HK$51,229
+HK$2,939/mo
Deposit HK$9.96M · loan HK$9.96M · min. income ≈ HK$96,580/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$747,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,552
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$51,908
−HK$1,375/mo
Today · 4.125%
HK$53,283
baseline
▲ 0.50% · 4.625%
HK$56,092
+HK$2,809/mo
Deposit HK$9.96M · loan HK$9.96M · min. income ≈ HK$106,566/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$747,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,529
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$56,225
−HK$1,723/mo
Today · 4.125%
HK$57,948
baseline
▲ 0.50% · 4.625%
HK$61,474
+HK$3,526/mo
Deposit HK$7.97M · loan HK$11.96M · min. income ≈ HK$115,896/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,663
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$62,290
−HK$1,650/mo
Today · 4.125%
HK$63,940
baseline
▲ 0.50% · 4.625%
HK$67,311
+HK$3,371/mo
Deposit HK$7.97M · loan HK$11.96M · min. income ≈ HK$127,880/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,617
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$65,596
−HK$2,010/mo
Today · 4.125%
HK$67,606
baseline
▲ 0.50% · 4.625%
HK$71,720
+HK$4,114/mo
Deposit HK$5.98M · loan HK$13.95M · min. income ≈ HK$135,212/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,773
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$72,671
−HK$1,926/mo
Today · 4.125%
HK$74,597
baseline
▲ 0.50% · 4.625%
HK$78,529
+HK$3,932/mo
Deposit HK$5.98M · loan HK$13.95M · min. income ≈ HK$149,194/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,793
−HK$5,129/mo
▼ 0.25% · 3.875%
HK$84,337
−HK$2,585/mo
Today · 4.125%
HK$86,922
baseline
▲ 0.50% · 4.625%
HK$92,211
+HK$5,289/mo
Deposit HK$1.99M · loan HK$17.94M · min. income ≈ HK$173,844/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,994
−HK$4,916/mo
▼ 0.25% · 3.875%
HK$93,435
−HK$2,475/mo
Today · 4.125%
HK$95,910
baseline
▲ 0.50% · 4.625%
HK$100,966
+HK$5,056/mo
Deposit HK$1.99M · loan HK$17.94M · min. income ≈ HK$191,820/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,296 · Scale 2, in force from 26 Feb 2026)