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$45,483
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$46,898
−HK$1,437/mo
Today · 4.125%
HK$48,335
baseline
▲ 0.50% · 4.625%
HK$51,276
+HK$2,941/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$96,670/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$747,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,600
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$51,957
−HK$1,376/mo
Today · 4.125%
HK$53,333
baseline
▲ 0.50% · 4.625%
HK$56,145
+HK$2,812/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$106,666/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$747,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,580
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$56,277
−HK$1,725/mo
Today · 4.125%
HK$58,002
baseline
▲ 0.50% · 4.625%
HK$61,532
+HK$3,530/mo
Deposit HK$7.98M · loan HK$11.97M · min. income ≈ HK$116,004/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$747,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,719
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$62,348
−HK$1,652/mo
Today · 4.125%
HK$64,000
baseline
▲ 0.50% · 4.625%
HK$67,373
+HK$3,373/mo
Deposit HK$7.98M · loan HK$11.97M · min. income ≈ HK$128,000/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$747,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,676
−HK$3,993/mo
▼ 0.25% · 3.875%
HK$65,657
−HK$2,012/mo
Today · 4.125%
HK$67,669
baseline
▲ 0.50% · 4.625%
HK$71,787
+HK$4,118/mo
Deposit HK$5.98M · loan HK$13.96M · min. income ≈ HK$135,338/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,839
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$72,739
−HK$1,928/mo
Today · 4.125%
HK$74,667
baseline
▲ 0.50% · 4.625%
HK$78,602
+HK$3,935/mo
Deposit HK$5.98M · loan HK$13.96M · min. income ≈ HK$149,334/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,870
−HK$5,134/mo
▼ 0.25% · 3.875%
HK$84,416
−HK$2,588/mo
Today · 4.125%
HK$87,004
baseline
▲ 0.50% · 4.625%
HK$92,298
+HK$5,294/mo
Deposit HK$1.99M · loan HK$17.95M · min. income ≈ HK$174,008/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,079
−HK$4,921/mo
▼ 0.25% · 3.875%
HK$93,522
−HK$2,478/mo
Today · 4.125%
HK$96,000
baseline
▲ 0.50% · 4.625%
HK$101,060
+HK$5,060/mo
Deposit HK$1.99M · loan HK$17.95M · min. income ≈ HK$192,000/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,994 · Scale 2, in force from 26 Feb 2026)