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$45,498
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$46,913
−HK$1,438/mo
Today · 4.125%
HK$48,351
baseline
▲ 0.50% · 4.625%
HK$51,293
+HK$2,942/mo
Deposit HK$9.98M · loan HK$9.98M · min. income ≈ HK$96,702/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$748,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,616
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$51,973
−HK$1,377/mo
Today · 4.125%
HK$53,350
baseline
▲ 0.50% · 4.625%
HK$56,162
+HK$2,812/mo
Deposit HK$9.98M · loan HK$9.98M · min. income ≈ HK$106,700/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$748,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,597
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$56,295
−HK$1,726/mo
Today · 4.125%
HK$58,021
baseline
▲ 0.50% · 4.625%
HK$61,551
+HK$3,530/mo
Deposit HK$7.98M · loan HK$11.97M · min. income ≈ HK$116,042/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$748,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,739
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$62,368
−HK$1,652/mo
Today · 4.125%
HK$64,020
baseline
▲ 0.50% · 4.625%
HK$67,395
+HK$3,375/mo
Deposit HK$7.98M · loan HK$11.97M · min. income ≈ HK$128,040/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$748,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,697
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$65,678
−HK$2,013/mo
Today · 4.125%
HK$67,691
baseline
▲ 0.50% · 4.625%
HK$71,810
+HK$4,119/mo
Deposit HK$5.99M · loan HK$13.97M · min. income ≈ HK$135,382/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$748,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,862
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$72,762
−HK$1,928/mo
Today · 4.125%
HK$74,690
baseline
▲ 0.50% · 4.625%
HK$78,627
+HK$3,937/mo
Deposit HK$5.99M · loan HK$13.97M · min. income ≈ HK$149,380/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$748,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,896
−HK$5,135/mo
▼ 0.25% · 3.875%
HK$84,443
−HK$2,588/mo
Today · 4.125%
HK$87,031
baseline
▲ 0.50% · 4.625%
HK$92,327
+HK$5,296/mo
Deposit HK$2.00M · loan HK$17.96M · min. income ≈ HK$174,062/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$748,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,108
−HK$4,922/mo
▼ 0.25% · 3.875%
HK$93,552
−HK$2,478/mo
Today · 4.125%
HK$96,030
baseline
▲ 0.50% · 4.625%
HK$101,092
+HK$5,062/mo
Deposit HK$2.00M · loan HK$17.96M · min. income ≈ HK$192,060/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$748,233 · Scale 2, in force from 26 Feb 2026)