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$45,341
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$46,751
−HK$1,433/mo
Today · 4.125%
HK$48,184
baseline
▲ 0.50% · 4.625%
HK$51,116
+HK$2,932/mo
Deposit HK$9.94M · loan HK$9.94M · min. income ≈ HK$96,368/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$745,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,441
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$51,794
−HK$1,372/mo
Today · 4.125%
HK$53,166
baseline
▲ 0.50% · 4.625%
HK$55,969
+HK$2,803/mo
Deposit HK$9.94M · loan HK$9.94M · min. income ≈ HK$106,332/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$745,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,409
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$56,101
−HK$1,720/mo
Today · 4.125%
HK$57,821
baseline
▲ 0.50% · 4.625%
HK$61,339
+HK$3,518/mo
Deposit HK$7.95M · loan HK$11.93M · min. income ≈ HK$115,642/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$745,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,530
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$62,153
−HK$1,647/mo
Today · 4.125%
HK$63,800
baseline
▲ 0.50% · 4.625%
HK$67,163
+HK$3,363/mo
Deposit HK$7.95M · loan HK$11.93M · min. income ≈ HK$127,600/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$745,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,477
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$65,452
−HK$2,006/mo
Today · 4.125%
HK$67,458
baseline
▲ 0.50% · 4.625%
HK$71,562
+HK$4,104/mo
Deposit HK$5.97M · loan HK$13.92M · min. income ≈ HK$134,916/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,618
−HK$3,815/mo
▼ 0.25% · 3.875%
HK$72,512
−HK$1,921/mo
Today · 4.125%
HK$74,433
baseline
▲ 0.50% · 4.625%
HK$78,356
+HK$3,923/mo
Deposit HK$5.97M · loan HK$13.92M · min. income ≈ HK$148,866/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,614
−HK$5,117/mo
▼ 0.25% · 3.875%
HK$84,152
−HK$2,579/mo
Today · 4.125%
HK$86,731
baseline
▲ 0.50% · 4.625%
HK$92,009
+HK$5,278/mo
Deposit HK$1.99M · loan HK$17.90M · min. income ≈ HK$173,462/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,794
−HK$4,906/mo
▼ 0.25% · 3.875%
HK$93,229
−HK$2,471/mo
Today · 4.125%
HK$95,700
baseline
▲ 0.50% · 4.625%
HK$100,744
+HK$5,044/mo
Deposit HK$1.99M · loan HK$17.90M · min. income ≈ HK$191,400/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,654 · Scale 2, in force from 26 Feb 2026)