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$45,467
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$46,881
−HK$1,437/mo
Today · 4.125%
HK$48,318
baseline
▲ 0.50% · 4.625%
HK$51,258
+HK$2,940/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$96,636/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$747,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,581
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$51,938
−HK$1,376/mo
Today · 4.125%
HK$53,314
baseline
▲ 0.50% · 4.625%
HK$56,124
+HK$2,810/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$106,628/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$747,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,560
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$56,257
−HK$1,724/mo
Today · 4.125%
HK$57,981
baseline
▲ 0.50% · 4.625%
HK$61,509
+HK$3,528/mo
Deposit HK$7.98M · loan HK$11.96M · min. income ≈ HK$115,962/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,697
−HK$3,280/mo
▼ 0.25% · 3.875%
HK$62,325
−HK$1,652/mo
Today · 4.125%
HK$63,977
baseline
▲ 0.50% · 4.625%
HK$67,349
+HK$3,372/mo
Deposit HK$7.98M · loan HK$11.96M · min. income ≈ HK$127,954/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,653
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$65,633
−HK$2,012/mo
Today · 4.125%
HK$67,645
baseline
▲ 0.50% · 4.625%
HK$71,761
+HK$4,116/mo
Deposit HK$5.98M · loan HK$13.96M · min. income ≈ HK$135,290/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,813
−HK$3,826/mo
▼ 0.25% · 3.875%
HK$72,713
−HK$1,926/mo
Today · 4.125%
HK$74,639
baseline
▲ 0.50% · 4.625%
HK$78,574
+HK$3,935/mo
Deposit HK$5.98M · loan HK$13.96M · min. income ≈ HK$149,278/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,840
−HK$5,132/mo
▼ 0.25% · 3.875%
HK$84,385
−HK$2,587/mo
Today · 4.125%
HK$86,972
baseline
▲ 0.50% · 4.625%
HK$92,264
+HK$5,292/mo
Deposit HK$1.99M · loan HK$17.95M · min. income ≈ HK$173,944/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,046
−HK$4,919/mo
▼ 0.25% · 3.875%
HK$93,488
−HK$2,477/mo
Today · 4.125%
HK$95,965
baseline
▲ 0.50% · 4.625%
HK$101,023
+HK$5,058/mo
Deposit HK$1.99M · loan HK$17.95M · min. income ≈ HK$191,930/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,721 · Scale 2, in force from 26 Feb 2026)