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$45,197
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$46,603
−HK$1,429/mo
Today · 4.125%
HK$48,032
baseline
▲ 0.50% · 4.625%
HK$50,954
+HK$2,922/mo
Deposit HK$9.91M · loan HK$9.91M · min. income ≈ HK$96,064/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$743,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,281
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$51,630
−HK$1,368/mo
Today · 4.125%
HK$52,998
baseline
▲ 0.50% · 4.625%
HK$55,792
+HK$2,794/mo
Deposit HK$9.91M · loan HK$9.91M · min. income ≈ HK$105,996/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$743,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,237
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$55,924
−HK$1,714/mo
Today · 4.125%
HK$57,638
baseline
▲ 0.50% · 4.625%
HK$61,145
+HK$3,507/mo
Deposit HK$7.93M · loan HK$11.89M · min. income ≈ HK$115,276/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$743,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,338
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$61,956
−HK$1,642/mo
Today · 4.125%
HK$63,598
baseline
▲ 0.50% · 4.625%
HK$66,950
+HK$3,352/mo
Deposit HK$7.93M · loan HK$11.89M · min. income ≈ HK$127,196/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$743,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,276
−HK$3,968/mo
▼ 0.25% · 3.875%
HK$65,244
−HK$2,000/mo
Today · 4.125%
HK$67,244
baseline
▲ 0.50% · 4.625%
HK$71,336
+HK$4,092/mo
Deposit HK$5.95M · loan HK$13.87M · min. income ≈ HK$134,488/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,394
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$72,282
−HK$1,915/mo
Today · 4.125%
HK$74,197
baseline
▲ 0.50% · 4.625%
HK$78,108
+HK$3,911/mo
Deposit HK$5.95M · loan HK$13.87M · min. income ≈ HK$148,394/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,355
−HK$5,102/mo
▼ 0.25% · 3.875%
HK$83,886
−HK$2,571/mo
Today · 4.125%
HK$86,457
baseline
▲ 0.50% · 4.625%
HK$91,717
+HK$5,260/mo
Deposit HK$1.98M · loan HK$17.84M · min. income ≈ HK$172,914/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,507
−HK$4,889/mo
▼ 0.25% · 3.875%
HK$92,934
−HK$2,462/mo
Today · 4.125%
HK$95,396
baseline
▲ 0.50% · 4.625%
HK$100,425
+HK$5,029/mo
Deposit HK$1.98M · loan HK$17.84M · min. income ≈ HK$190,792/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,293 · Scale 2, in force from 26 Feb 2026)