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$45,240
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$46,647
−HK$1,430/mo
Today · 4.125%
HK$48,077
baseline
▲ 0.50% · 4.625%
HK$51,002
+HK$2,925/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$96,154/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$743,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,329
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$51,679
−HK$1,369/mo
Today · 4.125%
HK$53,048
baseline
▲ 0.50% · 4.625%
HK$55,844
+HK$2,796/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$106,096/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$743,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,288
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$55,976
−HK$1,716/mo
Today · 4.125%
HK$57,692
baseline
▲ 0.50% · 4.625%
HK$61,202
+HK$3,510/mo
Deposit HK$7.94M · loan HK$11.90M · min. income ≈ HK$115,384/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$743,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,395
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$62,014
−HK$1,644/mo
Today · 4.125%
HK$63,658
baseline
▲ 0.50% · 4.625%
HK$67,013
+HK$3,355/mo
Deposit HK$7.94M · loan HK$11.90M · min. income ≈ HK$127,316/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$743,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,336
−HK$3,971/mo
▼ 0.25% · 3.875%
HK$65,306
−HK$2,001/mo
Today · 4.125%
HK$67,307
baseline
▲ 0.50% · 4.625%
HK$71,403
+HK$4,096/mo
Deposit HK$5.95M · loan HK$13.89M · min. income ≈ HK$134,614/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$743,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,460
−HK$3,807/mo
▼ 0.25% · 3.875%
HK$72,350
−HK$1,917/mo
Today · 4.125%
HK$74,267
baseline
▲ 0.50% · 4.625%
HK$78,182
+HK$3,915/mo
Deposit HK$5.95M · loan HK$13.89M · min. income ≈ HK$148,534/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$743,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,432
−HK$5,106/mo
▼ 0.25% · 3.875%
HK$83,965
−HK$2,573/mo
Today · 4.125%
HK$86,538
baseline
▲ 0.50% · 4.625%
HK$91,804
+HK$5,266/mo
Deposit HK$1.98M · loan HK$17.86M · min. income ≈ HK$173,076/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,592
−HK$4,894/mo
▼ 0.25% · 3.875%
HK$93,021
−HK$2,465/mo
Today · 4.125%
HK$95,486
baseline
▲ 0.50% · 4.625%
HK$100,519
+HK$5,033/mo
Deposit HK$1.98M · loan HK$17.86M · min. income ≈ HK$190,972/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,992 · Scale 2, in force from 26 Feb 2026)