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$747,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,569
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$51,926
−HK$1,376/mo
Today · 4.125%
HK$53,302
baseline
▲ 0.50% · 4.625%
HK$56,111
+HK$2,809/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$747,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,547
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$56,244
−HK$1,724/mo
Today · 4.125%
HK$57,968
baseline
▲ 0.50% · 4.625%
HK$61,495
+HK$3,527/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$747,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,683
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$62,311
−HK$1,651/mo
Today · 4.125%
HK$63,962
baseline
▲ 0.50% · 4.625%
HK$67,333
+HK$3,371/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$747,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,639
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$65,618
−HK$2,011/mo
Today · 4.125%
HK$67,629
baseline
▲ 0.50% · 4.625%
HK$71,744
+HK$4,115/mo
Deposit HK$5.98M · loan HK$13.95M · min. income ≈ HK$135,258/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,797
−HK$3,825/mo
▼ 0.25% · 3.875%
HK$72,696
−HK$1,926/mo
Today · 4.125%
HK$74,622
baseline
▲ 0.50% · 4.625%
HK$78,556
+HK$3,934/mo
Deposit HK$5.98M · loan HK$13.95M · min. income ≈ HK$149,244/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,821
−HK$5,131/mo
▼ 0.25% · 3.875%
HK$84,366
−HK$2,586/mo
Today · 4.125%
HK$86,952
baseline
▲ 0.50% · 4.625%
HK$92,243
+HK$5,291/mo
Deposit HK$1.99M · loan HK$17.94M · min. income ≈ HK$173,904/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,025
−HK$4,918/mo
▼ 0.25% · 3.875%
HK$93,466
−HK$2,477/mo
Today · 4.125%
HK$95,943
baseline
▲ 0.50% · 4.625%
HK$101,000
+HK$5,057/mo
Deposit HK$1.99M · loan HK$17.94M · min. income ≈ HK$191,886/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,549 · Scale 2, in force from 26 Feb 2026)