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$45,472
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$46,887
−HK$1,437/mo
Today · 4.125%
HK$48,324
baseline
▲ 0.50% · 4.625%
HK$51,264
+HK$2,940/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$96,648/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$747,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,587
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$51,944
−HK$1,377/mo
Today · 4.125%
HK$53,321
baseline
▲ 0.50% · 4.625%
HK$56,131
+HK$2,810/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$106,642/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$747,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,567
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$56,264
−HK$1,725/mo
Today · 4.125%
HK$57,989
baseline
▲ 0.50% · 4.625%
HK$61,517
+HK$3,528/mo
Deposit HK$7.98M · loan HK$11.97M · min. income ≈ HK$115,978/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,705
−HK$3,280/mo
▼ 0.25% · 3.875%
HK$62,333
−HK$1,652/mo
Today · 4.125%
HK$63,985
baseline
▲ 0.50% · 4.625%
HK$67,357
+HK$3,372/mo
Deposit HK$7.98M · loan HK$11.97M · min. income ≈ HK$127,970/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,661
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$65,641
−HK$2,012/mo
Today · 4.125%
HK$67,653
baseline
▲ 0.50% · 4.625%
HK$71,770
+HK$4,117/mo
Deposit HK$5.98M · loan HK$13.96M · min. income ≈ HK$135,306/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,822
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$72,722
−HK$1,927/mo
Today · 4.125%
HK$74,649
baseline
▲ 0.50% · 4.625%
HK$78,584
+HK$3,935/mo
Deposit HK$5.98M · loan HK$13.96M · min. income ≈ HK$149,298/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,850
−HK$5,133/mo
▼ 0.25% · 3.875%
HK$84,396
−HK$2,587/mo
Today · 4.125%
HK$86,983
baseline
▲ 0.50% · 4.625%
HK$92,276
+HK$5,293/mo
Deposit HK$1.99M · loan HK$17.95M · min. income ≈ HK$173,966/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,057
−HK$4,920/mo
▼ 0.25% · 3.875%
HK$93,500
−HK$2,477/mo
Today · 4.125%
HK$95,977
baseline
▲ 0.50% · 4.625%
HK$101,036
+HK$5,059/mo
Deposit HK$1.99M · loan HK$17.95M · min. income ≈ HK$191,954/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,816 · Scale 2, in force from 26 Feb 2026)