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$45,043
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$46,444
−HK$1,423/mo
Today · 4.125%
HK$47,867
baseline
▲ 0.50% · 4.625%
HK$50,780
+HK$2,913/mo
Deposit HK$9.88M · loan HK$9.88M · min. income ≈ HK$95,734/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$740,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,109
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$51,453
−HK$1,364/mo
Today · 4.125%
HK$52,817
baseline
▲ 0.50% · 4.625%
HK$55,601
+HK$2,784/mo
Deposit HK$9.88M · loan HK$9.88M · min. income ≈ HK$105,634/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$740,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,051
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$55,732
−HK$1,708/mo
Today · 4.125%
HK$57,440
baseline
▲ 0.50% · 4.625%
HK$60,936
+HK$3,496/mo
Deposit HK$7.90M · loan HK$11.85M · min. income ≈ HK$114,880/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$740,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,131
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$61,744
−HK$1,636/mo
Today · 4.125%
HK$63,380
baseline
▲ 0.50% · 4.625%
HK$66,721
+HK$3,341/mo
Deposit HK$7.90M · loan HK$11.85M · min. income ≈ HK$126,760/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$740,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,060
−HK$3,954/mo
▼ 0.25% · 3.875%
HK$65,021
−HK$1,993/mo
Today · 4.125%
HK$67,014
baseline
▲ 0.50% · 4.625%
HK$71,092
+HK$4,078/mo
Deposit HK$5.93M · loan HK$13.83M · min. income ≈ HK$134,028/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$740,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,153
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$72,035
−HK$1,908/mo
Today · 4.125%
HK$73,943
baseline
▲ 0.50% · 4.625%
HK$77,841
+HK$3,898/mo
Deposit HK$5.93M · loan HK$13.83M · min. income ≈ HK$147,886/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$740,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,077
−HK$5,084/mo
▼ 0.25% · 3.875%
HK$83,598
−HK$2,563/mo
Today · 4.125%
HK$86,161
baseline
▲ 0.50% · 4.625%
HK$91,403
+HK$5,242/mo
Deposit HK$1.98M · loan HK$17.78M · min. income ≈ HK$172,322/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$740,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,197
−HK$4,873/mo
▼ 0.25% · 3.875%
HK$92,616
−HK$2,454/mo
Today · 4.125%
HK$95,070
baseline
▲ 0.50% · 4.625%
HK$100,081
+HK$5,011/mo
Deposit HK$1.98M · loan HK$17.78M · min. income ≈ HK$190,140/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$740,748 · Scale 2, in force from 26 Feb 2026)