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$45,444
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$46,857
−HK$1,436/mo
Today · 4.125%
HK$48,293
baseline
▲ 0.50% · 4.625%
HK$51,232
+HK$2,939/mo
Deposit HK$9.96M · loan HK$9.96M · min. income ≈ HK$96,586/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$747,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,555
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$51,911
−HK$1,376/mo
Today · 4.125%
HK$53,287
baseline
▲ 0.50% · 4.625%
HK$56,096
+HK$2,809/mo
Deposit HK$9.96M · loan HK$9.96M · min. income ≈ HK$106,574/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$747,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,532
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$56,228
−HK$1,724/mo
Today · 4.125%
HK$57,952
baseline
▲ 0.50% · 4.625%
HK$61,478
+HK$3,526/mo
Deposit HK$7.97M · loan HK$11.96M · min. income ≈ HK$115,904/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,667
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$62,294
−HK$1,650/mo
Today · 4.125%
HK$63,944
baseline
▲ 0.50% · 4.625%
HK$67,315
+HK$3,371/mo
Deposit HK$7.97M · loan HK$11.96M · min. income ≈ HK$127,888/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,621
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$65,600
−HK$2,010/mo
Today · 4.125%
HK$67,610
baseline
▲ 0.50% · 4.625%
HK$71,724
+HK$4,114/mo
Deposit HK$5.98M · loan HK$13.95M · min. income ≈ HK$135,220/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,778
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$72,676
−HK$1,926/mo
Today · 4.125%
HK$74,602
baseline
▲ 0.50% · 4.625%
HK$78,534
+HK$3,932/mo
Deposit HK$5.98M · loan HK$13.95M · min. income ≈ HK$149,204/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,798
−HK$5,130/mo
▼ 0.25% · 3.875%
HK$84,343
−HK$2,585/mo
Today · 4.125%
HK$86,928
baseline
▲ 0.50% · 4.625%
HK$92,217
+HK$5,289/mo
Deposit HK$1.99M · loan HK$17.94M · min. income ≈ HK$173,856/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,000
−HK$4,916/mo
▼ 0.25% · 3.875%
HK$93,440
−HK$2,476/mo
Today · 4.125%
HK$95,916
baseline
▲ 0.50% · 4.625%
HK$100,972
+HK$5,056/mo
Deposit HK$1.99M · loan HK$17.94M · min. income ≈ HK$191,832/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,342 · Scale 2, in force from 26 Feb 2026)