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$45,500
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$46,915
−HK$1,438/mo
Today · 4.125%
HK$48,353
baseline
▲ 0.50% · 4.625%
HK$51,295
+HK$2,942/mo
Deposit HK$9.98M · loan HK$9.98M · min. income ≈ HK$96,706/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$748,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,618
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$51,976
−HK$1,377/mo
Today · 4.125%
HK$53,353
baseline
▲ 0.50% · 4.625%
HK$56,165
+HK$2,812/mo
Deposit HK$9.98M · loan HK$9.98M · min. income ≈ HK$106,706/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$748,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,600
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$56,298
−HK$1,726/mo
Today · 4.125%
HK$58,024
baseline
▲ 0.50% · 4.625%
HK$61,554
+HK$3,530/mo
Deposit HK$7.98M · loan HK$11.97M · min. income ≈ HK$116,048/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$748,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,742
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$62,371
−HK$1,653/mo
Today · 4.125%
HK$64,024
baseline
▲ 0.50% · 4.625%
HK$67,398
+HK$3,374/mo
Deposit HK$7.98M · loan HK$11.97M · min. income ≈ HK$128,048/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$748,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,700
−HK$3,995/mo
▼ 0.25% · 3.875%
HK$65,681
−HK$2,014/mo
Today · 4.125%
HK$67,695
baseline
▲ 0.50% · 4.625%
HK$71,814
+HK$4,119/mo
Deposit HK$5.99M · loan HK$13.97M · min. income ≈ HK$135,390/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$748,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,866
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$72,766
−HK$1,928/mo
Today · 4.125%
HK$74,694
baseline
▲ 0.50% · 4.625%
HK$78,631
+HK$3,937/mo
Deposit HK$5.99M · loan HK$13.97M · min. income ≈ HK$149,388/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$748,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,900
−HK$5,136/mo
▼ 0.25% · 3.875%
HK$84,448
−HK$2,588/mo
Today · 4.125%
HK$87,036
baseline
▲ 0.50% · 4.625%
HK$92,332
+HK$5,296/mo
Deposit HK$2.00M · loan HK$17.96M · min. income ≈ HK$174,072/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$748,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,113
−HK$4,922/mo
▼ 0.25% · 3.875%
HK$93,556
−HK$2,479/mo
Today · 4.125%
HK$96,035
baseline
▲ 0.50% · 4.625%
HK$101,098
+HK$5,063/mo
Deposit HK$2.00M · loan HK$17.96M · min. income ≈ HK$192,070/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$748,271 · Scale 2, in force from 26 Feb 2026)