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$45,252
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$46,660
−HK$1,430/mo
Today · 4.125%
HK$48,090
baseline
▲ 0.50% · 4.625%
HK$51,016
+HK$2,926/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$96,180/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,343
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$51,693
−HK$1,370/mo
Today · 4.125%
HK$53,063
baseline
▲ 0.50% · 4.625%
HK$55,860
+HK$2,797/mo
Deposit HK$9.92M · loan HK$9.92M · min. income ≈ HK$106,126/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,303
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$55,992
−HK$1,716/mo
Today · 4.125%
HK$57,708
baseline
▲ 0.50% · 4.625%
HK$61,219
+HK$3,511/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$115,416/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$744,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,411
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$62,031
−HK$1,644/mo
Today · 4.125%
HK$63,675
baseline
▲ 0.50% · 4.625%
HK$67,031
+HK$3,356/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$127,350/mo (50% DSR)
Upfront cash ≈ HK$8.68M (deposit + AVD stamp duty HK$744,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,353
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$65,324
−HK$2,002/mo
Today · 4.125%
HK$67,326
baseline
▲ 0.50% · 4.625%
HK$71,423
+HK$4,097/mo
Deposit HK$5.95M · loan HK$13.89M · min. income ≈ HK$134,652/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,480
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$72,370
−HK$1,918/mo
Today · 4.125%
HK$74,288
baseline
▲ 0.50% · 4.625%
HK$78,203
+HK$3,915/mo
Deposit HK$5.95M · loan HK$13.89M · min. income ≈ HK$148,576/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,454
−HK$5,108/mo
▼ 0.25% · 3.875%
HK$83,988
−HK$2,574/mo
Today · 4.125%
HK$86,562
baseline
▲ 0.50% · 4.625%
HK$91,829
+HK$5,267/mo
Deposit HK$1.98M · loan HK$17.86M · min. income ≈ HK$173,124/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,617
−HK$4,896/mo
▼ 0.25% · 3.875%
HK$93,047
−HK$2,466/mo
Today · 4.125%
HK$95,513
baseline
▲ 0.50% · 4.625%
HK$100,547
+HK$5,034/mo
Deposit HK$1.98M · loan HK$17.86M · min. income ≈ HK$191,026/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,198 · Scale 2, in force from 26 Feb 2026)