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$45,375
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$46,787
−HK$1,434/mo
Today · 4.125%
HK$48,221
baseline
▲ 0.50% · 4.625%
HK$51,155
+HK$2,934/mo
Deposit HK$9.95M · loan HK$9.95M · min. income ≈ HK$96,442/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$746,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,480
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$51,833
−HK$1,374/mo
Today · 4.125%
HK$53,207
baseline
▲ 0.50% · 4.625%
HK$56,011
+HK$2,804/mo
Deposit HK$9.95M · loan HK$9.95M · min. income ≈ HK$106,414/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$746,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,450
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$56,144
−HK$1,721/mo
Today · 4.125%
HK$57,865
baseline
▲ 0.50% · 4.625%
HK$61,386
+HK$3,521/mo
Deposit HK$7.96M · loan HK$11.94M · min. income ≈ HK$115,730/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$746,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,575
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$62,200
−HK$1,648/mo
Today · 4.125%
HK$63,848
baseline
▲ 0.50% · 4.625%
HK$67,214
+HK$3,366/mo
Deposit HK$7.96M · loan HK$11.94M · min. income ≈ HK$127,696/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$746,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,525
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$65,501
−HK$2,008/mo
Today · 4.125%
HK$67,509
baseline
▲ 0.50% · 4.625%
HK$71,617
+HK$4,108/mo
Deposit HK$5.97M · loan HK$13.93M · min. income ≈ HK$135,018/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$746,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,671
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$72,567
−HK$1,922/mo
Today · 4.125%
HK$74,489
baseline
▲ 0.50% · 4.625%
HK$78,416
+HK$3,927/mo
Deposit HK$5.97M · loan HK$13.93M · min. income ≈ HK$148,978/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$746,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,675
−HK$5,122/mo
▼ 0.25% · 3.875%
HK$84,216
−HK$2,581/mo
Today · 4.125%
HK$86,797
baseline
▲ 0.50% · 4.625%
HK$92,079
+HK$5,282/mo
Deposit HK$1.99M · loan HK$17.91M · min. income ≈ HK$173,594/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,863
−HK$4,909/mo
▼ 0.25% · 3.875%
HK$93,300
−HK$2,472/mo
Today · 4.125%
HK$95,772
baseline
▲ 0.50% · 4.625%
HK$100,820
+HK$5,048/mo
Deposit HK$1.99M · loan HK$17.91M · min. income ≈ HK$191,544/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,220 · Scale 2, in force from 26 Feb 2026)