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$45,174
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$46,579
−HK$1,427/mo
Today · 4.125%
HK$48,006
baseline
▲ 0.50% · 4.625%
HK$50,927
+HK$2,921/mo
Deposit HK$9.91M · loan HK$9.91M · min. income ≈ HK$96,012/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$742,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,255
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$51,603
−HK$1,367/mo
Today · 4.125%
HK$52,970
baseline
▲ 0.50% · 4.625%
HK$55,762
+HK$2,792/mo
Deposit HK$9.91M · loan HK$9.91M · min. income ≈ HK$105,940/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$742,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,208
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$55,894
−HK$1,714/mo
Today · 4.125%
HK$57,608
baseline
▲ 0.50% · 4.625%
HK$61,113
+HK$3,505/mo
Deposit HK$7.92M · loan HK$11.89M · min. income ≈ HK$115,216/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$742,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,306
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$61,924
−HK$1,640/mo
Today · 4.125%
HK$63,564
baseline
▲ 0.50% · 4.625%
HK$66,915
+HK$3,351/mo
Deposit HK$7.92M · loan HK$11.89M · min. income ≈ HK$127,128/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$742,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,243
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$65,210
−HK$1,999/mo
Today · 4.125%
HK$67,209
baseline
▲ 0.50% · 4.625%
HK$71,298
+HK$4,089/mo
Deposit HK$5.94M · loan HK$13.87M · min. income ≈ HK$134,418/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$742,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,357
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$72,244
−HK$1,914/mo
Today · 4.125%
HK$74,158
baseline
▲ 0.50% · 4.625%
HK$78,067
+HK$3,909/mo
Deposit HK$5.94M · loan HK$13.87M · min. income ≈ HK$148,316/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$742,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,312
−HK$5,099/mo
▼ 0.25% · 3.875%
HK$83,842
−HK$2,569/mo
Today · 4.125%
HK$86,411
baseline
▲ 0.50% · 4.625%
HK$91,669
+HK$5,258/mo
Deposit HK$1.98M · loan HK$17.83M · min. income ≈ HK$172,822/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,459
−HK$4,887/mo
▼ 0.25% · 3.875%
HK$92,885
−HK$2,461/mo
Today · 4.125%
HK$95,346
baseline
▲ 0.50% · 4.625%
HK$100,372
+HK$5,026/mo
Deposit HK$1.98M · loan HK$17.83M · min. income ≈ HK$190,692/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,903 · Scale 2, in force from 26 Feb 2026)