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$45,559
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$46,976
−HK$1,440/mo
Today · 4.125%
HK$48,416
baseline
▲ 0.50% · 4.625%
HK$51,362
+HK$2,946/mo
Deposit HK$9.99M · loan HK$9.99M · min. income ≈ HK$96,832/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$749,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,684
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$52,043
−HK$1,379/mo
Today · 4.125%
HK$53,422
baseline
▲ 0.50% · 4.625%
HK$56,238
+HK$2,816/mo
Deposit HK$9.99M · loan HK$9.99M · min. income ≈ HK$106,844/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$749,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,671
−HK$3,428/mo
▼ 0.25% · 3.875%
HK$56,372
−HK$1,727/mo
Today · 4.125%
HK$58,099
baseline
▲ 0.50% · 4.625%
HK$61,635
+HK$3,536/mo
Deposit HK$7.99M · loan HK$11.99M · min. income ≈ HK$116,198/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$749,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,821
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$62,452
−HK$1,655/mo
Today · 4.125%
HK$64,107
baseline
▲ 0.50% · 4.625%
HK$67,486
+HK$3,379/mo
Deposit HK$7.99M · loan HK$11.99M · min. income ≈ HK$128,214/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$749,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,783
−HK$4,000/mo
▼ 0.25% · 3.875%
HK$65,767
−HK$2,016/mo
Today · 4.125%
HK$67,783
baseline
▲ 0.50% · 4.625%
HK$71,907
+HK$4,124/mo
Deposit HK$5.99M · loan HK$13.99M · min. income ≈ HK$135,566/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$749,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,958
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$72,861
−HK$1,930/mo
Today · 4.125%
HK$74,791
baseline
▲ 0.50% · 4.625%
HK$78,734
+HK$3,943/mo
Deposit HK$5.99M · loan HK$13.99M · min. income ≈ HK$149,582/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$749,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,007
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$84,557
−HK$2,592/mo
Today · 4.125%
HK$87,149
baseline
▲ 0.50% · 4.625%
HK$92,452
+HK$5,303/mo
Deposit HK$2.00M · loan HK$17.98M · min. income ≈ HK$174,298/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,231
−HK$4,929/mo
▼ 0.25% · 3.875%
HK$93,678
−HK$2,482/mo
Today · 4.125%
HK$96,160
baseline
▲ 0.50% · 4.625%
HK$101,229
+HK$5,069/mo
Deposit HK$2.00M · loan HK$17.98M · min. income ≈ HK$192,320/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,245 · Scale 2, in force from 26 Feb 2026)