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$45,380
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$46,791
−HK$1,434/mo
Today · 4.125%
HK$48,225
baseline
▲ 0.50% · 4.625%
HK$51,160
+HK$2,935/mo
Deposit HK$9.95M · loan HK$9.95M · min. income ≈ HK$96,450/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$746,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,484
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$51,838
−HK$1,374/mo
Today · 4.125%
HK$53,212
baseline
▲ 0.50% · 4.625%
HK$56,017
+HK$2,805/mo
Deposit HK$9.95M · loan HK$9.95M · min. income ≈ HK$106,424/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$746,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,455
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$56,149
−HK$1,721/mo
Today · 4.125%
HK$57,870
baseline
▲ 0.50% · 4.625%
HK$61,392
+HK$3,522/mo
Deposit HK$7.96M · loan HK$11.94M · min. income ≈ HK$115,740/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$746,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,581
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$62,206
−HK$1,648/mo
Today · 4.125%
HK$63,854
baseline
▲ 0.50% · 4.625%
HK$67,220
+HK$3,366/mo
Deposit HK$7.96M · loan HK$11.94M · min. income ≈ HK$127,708/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$746,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,531
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$65,507
−HK$2,008/mo
Today · 4.125%
HK$67,515
baseline
▲ 0.50% · 4.625%
HK$71,623
+HK$4,108/mo
Deposit HK$5.97M · loan HK$13.93M · min. income ≈ HK$135,030/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$746,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,678
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$72,573
−HK$1,923/mo
Today · 4.125%
HK$74,496
baseline
▲ 0.50% · 4.625%
HK$78,423
+HK$3,927/mo
Deposit HK$5.97M · loan HK$13.93M · min. income ≈ HK$148,992/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$746,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,683
−HK$5,122/mo
▼ 0.25% · 3.875%
HK$84,224
−HK$2,581/mo
Today · 4.125%
HK$86,805
baseline
▲ 0.50% · 4.625%
HK$92,087
+HK$5,282/mo
Deposit HK$1.99M · loan HK$17.91M · min. income ≈ HK$173,610/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,872
−HK$4,909/mo
▼ 0.25% · 3.875%
HK$93,309
−HK$2,472/mo
Today · 4.125%
HK$95,781
baseline
▲ 0.50% · 4.625%
HK$100,830
+HK$5,049/mo
Deposit HK$1.99M · loan HK$17.91M · min. income ≈ HK$191,562/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,290 · Scale 2, in force from 26 Feb 2026)