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$45,441
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$46,855
−HK$1,436/mo
Today · 4.125%
HK$48,291
baseline
▲ 0.50% · 4.625%
HK$51,229
+HK$2,938/mo
Deposit HK$9.96M · loan HK$9.96M · min. income ≈ HK$96,582/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$747,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,553
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$51,909
−HK$1,375/mo
Today · 4.125%
HK$53,284
baseline
▲ 0.50% · 4.625%
HK$56,093
+HK$2,809/mo
Deposit HK$9.96M · loan HK$9.96M · min. income ≈ HK$106,568/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$747,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,530
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$56,226
−HK$1,723/mo
Today · 4.125%
HK$57,949
baseline
▲ 0.50% · 4.625%
HK$61,475
+HK$3,526/mo
Deposit HK$7.97M · loan HK$11.96M · min. income ≈ HK$115,898/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,664
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$62,290
−HK$1,651/mo
Today · 4.125%
HK$63,941
baseline
▲ 0.50% · 4.625%
HK$67,311
+HK$3,370/mo
Deposit HK$7.97M · loan HK$11.96M · min. income ≈ HK$127,882/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,618
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$65,597
−HK$2,010/mo
Today · 4.125%
HK$67,607
baseline
▲ 0.50% · 4.625%
HK$71,721
+HK$4,114/mo
Deposit HK$5.98M · loan HK$13.95M · min. income ≈ HK$135,214/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,774
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$72,672
−HK$1,926/mo
Today · 4.125%
HK$74,598
baseline
▲ 0.50% · 4.625%
HK$78,530
+HK$3,932/mo
Deposit HK$5.98M · loan HK$13.95M · min. income ≈ HK$149,196/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,794
−HK$5,129/mo
▼ 0.25% · 3.875%
HK$84,339
−HK$2,584/mo
Today · 4.125%
HK$86,923
baseline
▲ 0.50% · 4.625%
HK$92,213
+HK$5,290/mo
Deposit HK$1.99M · loan HK$17.94M · min. income ≈ HK$173,846/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,995
−HK$4,916/mo
▼ 0.25% · 3.875%
HK$93,436
−HK$2,475/mo
Today · 4.125%
HK$95,911
baseline
▲ 0.50% · 4.625%
HK$100,967
+HK$5,056/mo
Deposit HK$1.99M · loan HK$17.94M · min. income ≈ HK$191,822/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,305 · Scale 2, in force from 26 Feb 2026)