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$45,456
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$46,870
−HK$1,436/mo
Today · 4.125%
HK$48,306
baseline
▲ 0.50% · 4.625%
HK$51,246
+HK$2,940/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$96,612/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$747,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,569
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$51,925
−HK$1,376/mo
Today · 4.125%
HK$53,301
baseline
▲ 0.50% · 4.625%
HK$56,111
+HK$2,810/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$106,602/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$747,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,547
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$56,244
−HK$1,723/mo
Today · 4.125%
HK$57,967
baseline
▲ 0.50% · 4.625%
HK$61,495
+HK$3,528/mo
Deposit HK$7.97M · loan HK$11.96M · min. income ≈ HK$115,934/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,683
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$62,310
−HK$1,651/mo
Today · 4.125%
HK$63,961
baseline
▲ 0.50% · 4.625%
HK$67,333
+HK$3,372/mo
Deposit HK$7.97M · loan HK$11.96M · min. income ≈ HK$127,922/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,638
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$65,618
−HK$2,011/mo
Today · 4.125%
HK$67,629
baseline
▲ 0.50% · 4.625%
HK$71,744
+HK$4,115/mo
Deposit HK$5.98M · loan HK$13.95M · min. income ≈ HK$135,258/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,797
−HK$3,825/mo
▼ 0.25% · 3.875%
HK$72,695
−HK$1,927/mo
Today · 4.125%
HK$74,622
baseline
▲ 0.50% · 4.625%
HK$78,555
+HK$3,933/mo
Deposit HK$5.98M · loan HK$13.95M · min. income ≈ HK$149,244/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,820
−HK$5,131/mo
▼ 0.25% · 3.875%
HK$84,365
−HK$2,586/mo
Today · 4.125%
HK$86,951
baseline
▲ 0.50% · 4.625%
HK$92,242
+HK$5,291/mo
Deposit HK$1.99M · loan HK$17.94M · min. income ≈ HK$173,902/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,024
−HK$4,918/mo
▼ 0.25% · 3.875%
HK$93,465
−HK$2,477/mo
Today · 4.125%
HK$95,942
baseline
▲ 0.50% · 4.625%
HK$100,999
+HK$5,057/mo
Deposit HK$1.99M · loan HK$17.94M · min. income ≈ HK$191,884/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,543 · Scale 2, in force from 26 Feb 2026)