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$45,489
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$46,904
−HK$1,437/mo
Today · 4.125%
HK$48,341
baseline
▲ 0.50% · 4.625%
HK$51,283
+HK$2,942/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$96,682/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$748,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,606
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$51,963
−HK$1,377/mo
Today · 4.125%
HK$53,340
baseline
▲ 0.50% · 4.625%
HK$56,151
+HK$2,811/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$106,680/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$748,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,586
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$56,284
−HK$1,725/mo
Today · 4.125%
HK$58,009
baseline
▲ 0.50% · 4.625%
HK$61,539
+HK$3,530/mo
Deposit HK$7.98M · loan HK$11.97M · min. income ≈ HK$116,018/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$748,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,727
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$62,355
−HK$1,653/mo
Today · 4.125%
HK$64,008
baseline
▲ 0.50% · 4.625%
HK$67,382
+HK$3,374/mo
Deposit HK$7.98M · loan HK$11.97M · min. income ≈ HK$128,016/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$748,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,684
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$65,665
−HK$2,013/mo
Today · 4.125%
HK$67,678
baseline
▲ 0.50% · 4.625%
HK$71,796
+HK$4,118/mo
Deposit HK$5.98M · loan HK$13.96M · min. income ≈ HK$135,356/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$748,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,848
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$72,748
−HK$1,928/mo
Today · 4.125%
HK$74,676
baseline
▲ 0.50% · 4.625%
HK$78,612
+HK$3,936/mo
Deposit HK$5.98M · loan HK$13.96M · min. income ≈ HK$149,352/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$748,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,880
−HK$5,134/mo
▼ 0.25% · 3.875%
HK$84,426
−HK$2,588/mo
Today · 4.125%
HK$87,014
baseline
▲ 0.50% · 4.625%
HK$92,309
+HK$5,295/mo
Deposit HK$1.99M · loan HK$17.95M · min. income ≈ HK$174,028/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$748,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,090
−HK$4,921/mo
▼ 0.25% · 3.875%
HK$93,533
−HK$2,478/mo
Today · 4.125%
HK$96,011
baseline
▲ 0.50% · 4.625%
HK$101,072
+HK$5,061/mo
Deposit HK$1.99M · loan HK$17.95M · min. income ≈ HK$192,022/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$748,085 · Scale 2, in force from 26 Feb 2026)