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$45,281
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$46,690
−HK$1,431/mo
Today · 4.125%
HK$48,121
baseline
▲ 0.50% · 4.625%
HK$51,049
+HK$2,928/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$96,242/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,375
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$51,726
−HK$1,371/mo
Today · 4.125%
HK$53,097
baseline
▲ 0.50% · 4.625%
HK$55,896
+HK$2,799/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$106,194/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,338
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$56,028
−HK$1,717/mo
Today · 4.125%
HK$57,745
baseline
▲ 0.50% · 4.625%
HK$61,259
+HK$3,514/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$115,490/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$744,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,450
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$62,071
−HK$1,645/mo
Today · 4.125%
HK$63,716
baseline
▲ 0.50% · 4.625%
HK$67,075
+HK$3,359/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$127,432/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$744,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,394
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$65,366
−HK$2,003/mo
Today · 4.125%
HK$67,369
baseline
▲ 0.50% · 4.625%
HK$71,469
+HK$4,100/mo
Deposit HK$5.96M · loan HK$13.90M · min. income ≈ HK$134,738/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,525
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$72,417
−HK$1,918/mo
Today · 4.125%
HK$74,335
baseline
▲ 0.50% · 4.625%
HK$78,254
+HK$3,919/mo
Deposit HK$5.96M · loan HK$13.90M · min. income ≈ HK$148,670/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,507
−HK$5,111/mo
▼ 0.25% · 3.875%
HK$84,042
−HK$2,576/mo
Today · 4.125%
HK$86,618
baseline
▲ 0.50% · 4.625%
HK$91,888
+HK$5,270/mo
Deposit HK$1.99M · loan HK$17.87M · min. income ≈ HK$173,236/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,675
−HK$4,899/mo
▼ 0.25% · 3.875%
HK$93,107
−HK$2,467/mo
Today · 4.125%
HK$95,574
baseline
▲ 0.50% · 4.625%
HK$100,612
+HK$5,038/mo
Deposit HK$1.99M · loan HK$17.87M · min. income ≈ HK$191,148/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,677 · Scale 2, in force from 26 Feb 2026)