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$45,456
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$46,870
−HK$1,437/mo
Today · 4.125%
HK$48,307
baseline
▲ 0.50% · 4.625%
HK$51,246
+HK$2,939/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$96,614/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$747,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,570
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$51,926
−HK$1,376/mo
Today · 4.125%
HK$53,302
baseline
▲ 0.50% · 4.625%
HK$56,112
+HK$2,810/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$106,604/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$747,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,548
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$56,245
−HK$1,723/mo
Today · 4.125%
HK$57,968
baseline
▲ 0.50% · 4.625%
HK$61,496
+HK$3,528/mo
Deposit HK$7.97M · loan HK$11.96M · min. income ≈ HK$115,936/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,684
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$62,311
−HK$1,651/mo
Today · 4.125%
HK$63,962
baseline
▲ 0.50% · 4.625%
HK$67,334
+HK$3,372/mo
Deposit HK$7.97M · loan HK$11.96M · min. income ≈ HK$127,924/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,639
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$65,619
−HK$2,011/mo
Today · 4.125%
HK$67,630
baseline
▲ 0.50% · 4.625%
HK$71,745
+HK$4,115/mo
Deposit HK$5.98M · loan HK$13.95M · min. income ≈ HK$135,260/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,798
−HK$3,825/mo
▼ 0.25% · 3.875%
HK$72,697
−HK$1,926/mo
Today · 4.125%
HK$74,623
baseline
▲ 0.50% · 4.625%
HK$78,556
+HK$3,933/mo
Deposit HK$5.98M · loan HK$13.95M · min. income ≈ HK$149,246/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,822
−HK$5,131/mo
▼ 0.25% · 3.875%
HK$84,367
−HK$2,586/mo
Today · 4.125%
HK$86,953
baseline
▲ 0.50% · 4.625%
HK$92,243
+HK$5,290/mo
Deposit HK$1.99M · loan HK$17.94M · min. income ≈ HK$173,906/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,026
−HK$4,918/mo
▼ 0.25% · 3.875%
HK$93,467
−HK$2,477/mo
Today · 4.125%
HK$95,944
baseline
▲ 0.50% · 4.625%
HK$101,001
+HK$5,057/mo
Deposit HK$1.99M · loan HK$17.94M · min. income ≈ HK$191,888/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,556 · Scale 2, in force from 26 Feb 2026)