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$45,083
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$46,485
−HK$1,425/mo
Today · 4.125%
HK$47,910
baseline
▲ 0.50% · 4.625%
HK$50,825
+HK$2,915/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$95,820/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,154
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$51,499
−HK$1,365/mo
Today · 4.125%
HK$52,864
baseline
▲ 0.50% · 4.625%
HK$55,650
+HK$2,786/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$105,728/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$741,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,099
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$55,782
−HK$1,710/mo
Today · 4.125%
HK$57,492
baseline
▲ 0.50% · 4.625%
HK$60,990
+HK$3,498/mo
Deposit HK$7.91M · loan HK$11.86M · min. income ≈ HK$114,984/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,185
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$61,799
−HK$1,638/mo
Today · 4.125%
HK$63,437
baseline
▲ 0.50% · 4.625%
HK$66,780
+HK$3,343/mo
Deposit HK$7.91M · loan HK$11.86M · min. income ≈ HK$126,874/mo (50% DSR)
Upfront cash ≈ HK$8.65M (deposit + AVD stamp duty HK$741,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,116
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$65,079
−HK$1,995/mo
Today · 4.125%
HK$67,074
baseline
▲ 0.50% · 4.625%
HK$71,155
+HK$4,081/mo
Deposit HK$5.93M · loan HK$13.84M · min. income ≈ HK$134,148/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$741,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,216
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$72,099
−HK$1,910/mo
Today · 4.125%
HK$74,009
baseline
▲ 0.50% · 4.625%
HK$77,911
+HK$3,902/mo
Deposit HK$5.93M · loan HK$13.84M · min. income ≈ HK$148,018/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$741,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,149
−HK$5,089/mo
▼ 0.25% · 3.875%
HK$83,673
−HK$2,565/mo
Today · 4.125%
HK$86,238
baseline
▲ 0.50% · 4.625%
HK$91,485
+HK$5,247/mo
Deposit HK$1.98M · loan HK$17.79M · min. income ≈ HK$172,476/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,278
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$92,699
−HK$2,456/mo
Today · 4.125%
HK$95,155
baseline
▲ 0.50% · 4.625%
HK$100,171
+HK$5,016/mo
Deposit HK$1.98M · loan HK$17.79M · min. income ≈ HK$190,310/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$741,411 · Scale 2, in force from 26 Feb 2026)