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$45,254
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$46,662
−HK$1,430/mo
Today · 4.125%
HK$48,092
baseline
▲ 0.50% · 4.625%
HK$51,019
+HK$2,927/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$96,184/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,345
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$51,695
−HK$1,370/mo
Today · 4.125%
HK$53,065
baseline
▲ 0.50% · 4.625%
HK$55,862
+HK$2,797/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$106,130/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,305
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$55,995
−HK$1,716/mo
Today · 4.125%
HK$57,711
baseline
▲ 0.50% · 4.625%
HK$61,222
+HK$3,511/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$115,422/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$744,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,414
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$62,034
−HK$1,644/mo
Today · 4.125%
HK$63,678
baseline
▲ 0.50% · 4.625%
HK$67,035
+HK$3,357/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$127,356/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$744,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,356
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$65,327
−HK$2,002/mo
Today · 4.125%
HK$67,329
baseline
▲ 0.50% · 4.625%
HK$71,426
+HK$4,097/mo
Deposit HK$5.95M · loan HK$13.89M · min. income ≈ HK$134,658/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,483
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$72,374
−HK$1,917/mo
Today · 4.125%
HK$74,291
baseline
▲ 0.50% · 4.625%
HK$78,207
+HK$3,916/mo
Deposit HK$5.95M · loan HK$13.89M · min. income ≈ HK$148,582/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,458
−HK$5,108/mo
▼ 0.25% · 3.875%
HK$83,992
−HK$2,574/mo
Today · 4.125%
HK$86,566
baseline
▲ 0.50% · 4.625%
HK$91,834
+HK$5,268/mo
Deposit HK$1.98M · loan HK$17.86M · min. income ≈ HK$173,132/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,621
−HK$4,896/mo
▼ 0.25% · 3.875%
HK$93,052
−HK$2,465/mo
Today · 4.125%
HK$95,517
baseline
▲ 0.50% · 4.625%
HK$100,552
+HK$5,035/mo
Deposit HK$1.98M · loan HK$17.86M · min. income ≈ HK$191,034/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,234 · Scale 2, in force from 26 Feb 2026)