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$45,388
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$46,800
−HK$1,434/mo
Today · 4.125%
HK$48,234
baseline
▲ 0.50% · 4.625%
HK$51,169
+HK$2,935/mo
Deposit HK$9.95M · loan HK$9.95M · min. income ≈ HK$96,468/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$746,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,493
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$51,848
−HK$1,373/mo
Today · 4.125%
HK$53,221
baseline
▲ 0.50% · 4.625%
HK$56,027
+HK$2,806/mo
Deposit HK$9.95M · loan HK$9.95M · min. income ≈ HK$106,442/mo (50% DSR)
Upfront cash ≈ HK$10.70M (deposit + AVD stamp duty HK$746,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,465
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$56,159
−HK$1,722/mo
Today · 4.125%
HK$57,881
baseline
▲ 0.50% · 4.625%
HK$61,403
+HK$3,522/mo
Deposit HK$7.96M · loan HK$11.94M · min. income ≈ HK$115,762/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$746,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,592
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$62,217
−HK$1,649/mo
Today · 4.125%
HK$63,866
baseline
▲ 0.50% · 4.625%
HK$67,232
+HK$3,366/mo
Deposit HK$7.96M · loan HK$11.94M · min. income ≈ HK$127,732/mo (50% DSR)
Upfront cash ≈ HK$8.71M (deposit + AVD stamp duty HK$746,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,543
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$65,519
−HK$2,009/mo
Today · 4.125%
HK$67,528
baseline
▲ 0.50% · 4.625%
HK$71,636
+HK$4,108/mo
Deposit HK$5.97M · loan HK$13.93M · min. income ≈ HK$135,056/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$746,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,691
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$72,587
−HK$1,923/mo
Today · 4.125%
HK$74,510
baseline
▲ 0.50% · 4.625%
HK$78,438
+HK$3,928/mo
Deposit HK$5.97M · loan HK$13.93M · min. income ≈ HK$149,020/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$746,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,698
−HK$5,123/mo
▼ 0.25% · 3.875%
HK$84,239
−HK$2,582/mo
Today · 4.125%
HK$86,821
baseline
▲ 0.50% · 4.625%
HK$92,104
+HK$5,283/mo
Deposit HK$1.99M · loan HK$17.91M · min. income ≈ HK$173,642/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,888
−HK$4,911/mo
▼ 0.25% · 3.875%
HK$93,326
−HK$2,473/mo
Today · 4.125%
HK$95,799
baseline
▲ 0.50% · 4.625%
HK$100,848
+HK$5,049/mo
Deposit HK$1.99M · loan HK$17.91M · min. income ≈ HK$191,598/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$746,426 · Scale 2, in force from 26 Feb 2026)