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$45,264
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$46,672
−HK$1,431/mo
Today · 4.125%
HK$48,103
baseline
▲ 0.50% · 4.625%
HK$51,030
+HK$2,927/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$96,206/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,356
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$51,706
−HK$1,371/mo
Today · 4.125%
HK$53,077
baseline
▲ 0.50% · 4.625%
HK$55,874
+HK$2,797/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$106,154/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,317
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$56,007
−HK$1,716/mo
Today · 4.125%
HK$57,723
baseline
▲ 0.50% · 4.625%
HK$61,236
+HK$3,513/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$115,446/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$744,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,427
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$62,048
−HK$1,644/mo
Today · 4.125%
HK$63,692
baseline
▲ 0.50% · 4.625%
HK$67,049
+HK$3,357/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$127,384/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$744,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,370
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$65,341
−HK$2,003/mo
Today · 4.125%
HK$67,344
baseline
▲ 0.50% · 4.625%
HK$71,441
+HK$4,097/mo
Deposit HK$5.96M · loan HK$13.90M · min. income ≈ HK$134,688/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,498
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$72,389
−HK$1,918/mo
Today · 4.125%
HK$74,307
baseline
▲ 0.50% · 4.625%
HK$78,224
+HK$3,917/mo
Deposit HK$5.96M · loan HK$13.90M · min. income ≈ HK$148,614/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,476
−HK$5,109/mo
▼ 0.25% · 3.875%
HK$84,010
−HK$2,575/mo
Today · 4.125%
HK$86,585
baseline
▲ 0.50% · 4.625%
HK$91,853
+HK$5,268/mo
Deposit HK$1.99M · loan HK$17.87M · min. income ≈ HK$173,170/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,641
−HK$4,897/mo
▼ 0.25% · 3.875%
HK$93,072
−HK$2,466/mo
Today · 4.125%
HK$95,538
baseline
▲ 0.50% · 4.625%
HK$100,574
+HK$5,036/mo
Deposit HK$1.99M · loan HK$17.87M · min. income ≈ HK$191,076/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,394 · Scale 2, in force from 26 Feb 2026)