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$45,552
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$46,969
−HK$1,440/mo
Today · 4.125%
HK$48,409
baseline
▲ 0.50% · 4.625%
HK$51,354
+HK$2,945/mo
Deposit HK$9.99M · loan HK$9.99M · min. income ≈ HK$96,818/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$749,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,676
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$52,036
−HK$1,378/mo
Today · 4.125%
HK$53,414
baseline
▲ 0.50% · 4.625%
HK$56,230
+HK$2,816/mo
Deposit HK$9.99M · loan HK$9.99M · min. income ≈ HK$106,828/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$749,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,663
−HK$3,428/mo
▼ 0.25% · 3.875%
HK$56,363
−HK$1,728/mo
Today · 4.125%
HK$58,091
baseline
▲ 0.50% · 4.625%
HK$61,625
+HK$3,534/mo
Deposit HK$7.99M · loan HK$11.99M · min. income ≈ HK$116,182/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$749,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,812
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$62,443
−HK$1,654/mo
Today · 4.125%
HK$64,097
baseline
▲ 0.50% · 4.625%
HK$67,476
+HK$3,379/mo
Deposit HK$7.99M · loan HK$11.99M · min. income ≈ HK$128,194/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$749,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,773
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$65,757
−HK$2,015/mo
Today · 4.125%
HK$67,772
baseline
▲ 0.50% · 4.625%
HK$71,896
+HK$4,124/mo
Deposit HK$5.99M · loan HK$13.98M · min. income ≈ HK$135,544/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$749,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,947
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$72,850
−HK$1,930/mo
Today · 4.125%
HK$74,780
baseline
▲ 0.50% · 4.625%
HK$78,722
+HK$3,942/mo
Deposit HK$5.99M · loan HK$13.98M · min. income ≈ HK$149,560/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$749,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,994
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$84,545
−HK$2,591/mo
Today · 4.125%
HK$87,136
baseline
▲ 0.50% · 4.625%
HK$92,438
+HK$5,302/mo
Deposit HK$2.00M · loan HK$17.98M · min. income ≈ HK$174,272/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,218
−HK$4,928/mo
▼ 0.25% · 3.875%
HK$93,664
−HK$2,482/mo
Today · 4.125%
HK$96,146
baseline
▲ 0.50% · 4.625%
HK$101,214
+HK$5,068/mo
Deposit HK$2.00M · loan HK$17.98M · min. income ≈ HK$192,292/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,131 · Scale 2, in force from 26 Feb 2026)