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$45,355
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$46,765
−HK$1,434/mo
Today · 4.125%
HK$48,199
baseline
▲ 0.50% · 4.625%
HK$51,132
+HK$2,933/mo
Deposit HK$9.95M · loan HK$9.95M · min. income ≈ HK$96,398/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$745,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,457
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$51,810
−HK$1,373/mo
Today · 4.125%
HK$53,183
baseline
▲ 0.50% · 4.625%
HK$55,986
+HK$2,803/mo
Deposit HK$9.95M · loan HK$9.95M · min. income ≈ HK$106,366/mo (50% DSR)
Upfront cash ≈ HK$10.69M (deposit + AVD stamp duty HK$745,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,426
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$56,118
−HK$1,720/mo
Today · 4.125%
HK$57,838
baseline
▲ 0.50% · 4.625%
HK$61,358
+HK$3,520/mo
Deposit HK$7.96M · loan HK$11.93M · min. income ≈ HK$115,676/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$745,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,548
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$62,172
−HK$1,647/mo
Today · 4.125%
HK$63,819
baseline
▲ 0.50% · 4.625%
HK$67,183
+HK$3,364/mo
Deposit HK$7.96M · loan HK$11.93M · min. income ≈ HK$127,638/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$745,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,496
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$65,472
−HK$2,006/mo
Today · 4.125%
HK$67,478
baseline
▲ 0.50% · 4.625%
HK$71,584
+HK$4,106/mo
Deposit HK$5.97M · loan HK$13.92M · min. income ≈ HK$134,956/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,639
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$72,534
−HK$1,922/mo
Today · 4.125%
HK$74,456
baseline
▲ 0.50% · 4.625%
HK$78,380
+HK$3,924/mo
Deposit HK$5.97M · loan HK$13.92M · min. income ≈ HK$148,912/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,638
−HK$5,120/mo
▼ 0.25% · 3.875%
HK$84,178
−HK$2,580/mo
Today · 4.125%
HK$86,758
baseline
▲ 0.50% · 4.625%
HK$92,037
+HK$5,279/mo
Deposit HK$1.99M · loan HK$17.90M · min. income ≈ HK$173,516/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,822
−HK$4,907/mo
▼ 0.25% · 3.875%
HK$93,258
−HK$2,471/mo
Today · 4.125%
HK$95,729
baseline
▲ 0.50% · 4.625%
HK$100,775
+HK$5,046/mo
Deposit HK$1.99M · loan HK$17.90M · min. income ≈ HK$191,458/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,881 · Scale 2, in force from 26 Feb 2026)