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$45,452
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$46,865
−HK$1,437/mo
Today · 4.125%
HK$48,302
baseline
▲ 0.50% · 4.625%
HK$51,241
+HK$2,939/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$96,604/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$747,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,564
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$51,921
−HK$1,375/mo
Today · 4.125%
HK$53,296
baseline
▲ 0.50% · 4.625%
HK$56,106
+HK$2,810/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$106,592/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$747,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,542
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$56,238
−HK$1,724/mo
Today · 4.125%
HK$57,962
baseline
▲ 0.50% · 4.625%
HK$61,489
+HK$3,527/mo
Deposit HK$7.97M · loan HK$11.96M · min. income ≈ HK$115,924/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,677
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$62,305
−HK$1,651/mo
Today · 4.125%
HK$63,956
baseline
▲ 0.50% · 4.625%
HK$67,327
+HK$3,371/mo
Deposit HK$7.97M · loan HK$11.96M · min. income ≈ HK$127,912/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,632
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$65,612
−HK$2,011/mo
Today · 4.125%
HK$67,623
baseline
▲ 0.50% · 4.625%
HK$71,737
+HK$4,114/mo
Deposit HK$5.98M · loan HK$13.95M · min. income ≈ HK$135,246/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,790
−HK$3,825/mo
▼ 0.25% · 3.875%
HK$72,689
−HK$1,926/mo
Today · 4.125%
HK$74,615
baseline
▲ 0.50% · 4.625%
HK$78,548
+HK$3,933/mo
Deposit HK$5.98M · loan HK$13.95M · min. income ≈ HK$149,230/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,813
−HK$5,130/mo
▼ 0.25% · 3.875%
HK$84,358
−HK$2,585/mo
Today · 4.125%
HK$86,943
baseline
▲ 0.50% · 4.625%
HK$92,234
+HK$5,291/mo
Deposit HK$1.99M · loan HK$17.94M · min. income ≈ HK$173,886/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,016
−HK$4,917/mo
▼ 0.25% · 3.875%
HK$93,457
−HK$2,476/mo
Today · 4.125%
HK$95,933
baseline
▲ 0.50% · 4.625%
HK$100,990
+HK$5,057/mo
Deposit HK$1.99M · loan HK$17.94M · min. income ≈ HK$191,866/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,476 · Scale 2, in force from 26 Feb 2026)