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$45,188
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$46,594
−HK$1,428/mo
Today · 4.125%
HK$48,022
baseline
▲ 0.50% · 4.625%
HK$50,944
+HK$2,922/mo
Deposit HK$9.91M · loan HK$9.91M · min. income ≈ HK$96,044/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$743,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,272
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$51,620
−HK$1,368/mo
Today · 4.125%
HK$52,988
baseline
▲ 0.50% · 4.625%
HK$55,781
+HK$2,793/mo
Deposit HK$9.91M · loan HK$9.91M · min. income ≈ HK$105,976/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$743,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,226
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$55,913
−HK$1,714/mo
Today · 4.125%
HK$57,627
baseline
▲ 0.50% · 4.625%
HK$61,133
+HK$3,506/mo
Deposit HK$7.93M · loan HK$11.89M · min. income ≈ HK$115,254/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$743,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,326
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$61,944
−HK$1,641/mo
Today · 4.125%
HK$63,585
baseline
▲ 0.50% · 4.625%
HK$66,937
+HK$3,352/mo
Deposit HK$7.93M · loan HK$11.89M · min. income ≈ HK$127,170/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$743,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,264
−HK$3,967/mo
▼ 0.25% · 3.875%
HK$65,232
−HK$1,999/mo
Today · 4.125%
HK$67,231
baseline
▲ 0.50% · 4.625%
HK$71,322
+HK$4,091/mo
Deposit HK$5.95M · loan HK$13.87M · min. income ≈ HK$134,462/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,380
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$72,268
−HK$1,915/mo
Today · 4.125%
HK$74,183
baseline
▲ 0.50% · 4.625%
HK$78,093
+HK$3,910/mo
Deposit HK$5.95M · loan HK$13.87M · min. income ≈ HK$148,366/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,339
−HK$5,101/mo
▼ 0.25% · 3.875%
HK$83,869
−HK$2,571/mo
Today · 4.125%
HK$86,440
baseline
▲ 0.50% · 4.625%
HK$91,699
+HK$5,259/mo
Deposit HK$1.98M · loan HK$17.84M · min. income ≈ HK$172,880/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$743,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,489
−HK$4,889/mo
▼ 0.25% · 3.875%
HK$92,916
−HK$2,462/mo
Today · 4.125%
HK$95,378
baseline
▲ 0.50% · 4.625%
HK$100,405
+HK$5,027/mo
Deposit HK$1.98M · loan HK$17.84M · min. income ≈ HK$190,756/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$743,147 · Scale 2, in force from 26 Feb 2026)