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$45,152
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$46,556
−HK$1,427/mo
Today · 4.125%
HK$47,983
baseline
▲ 0.50% · 4.625%
HK$50,903
+HK$2,920/mo
Deposit HK$9.90M · loan HK$9.90M · min. income ≈ HK$95,966/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$742,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,231
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$51,578
−HK$1,367/mo
Today · 4.125%
HK$52,945
baseline
▲ 0.50% · 4.625%
HK$55,735
+HK$2,790/mo
Deposit HK$9.90M · loan HK$9.90M · min. income ≈ HK$105,890/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$742,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,182
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$55,867
−HK$1,713/mo
Today · 4.125%
HK$57,580
baseline
▲ 0.50% · 4.625%
HK$61,083
+HK$3,503/mo
Deposit HK$7.92M · loan HK$11.88M · min. income ≈ HK$115,160/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$742,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,277
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$61,894
−HK$1,640/mo
Today · 4.125%
HK$63,534
baseline
▲ 0.50% · 4.625%
HK$66,883
+HK$3,349/mo
Deposit HK$7.92M · loan HK$11.88M · min. income ≈ HK$127,068/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$742,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,212
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$65,179
−HK$1,997/mo
Today · 4.125%
HK$67,176
baseline
▲ 0.50% · 4.625%
HK$71,264
+HK$4,088/mo
Deposit HK$5.94M · loan HK$13.86M · min. income ≈ HK$134,352/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,323
−HK$3,800/mo
▼ 0.25% · 3.875%
HK$72,209
−HK$1,914/mo
Today · 4.125%
HK$74,123
baseline
▲ 0.50% · 4.625%
HK$78,030
+HK$3,907/mo
Deposit HK$5.94M · loan HK$13.86M · min. income ≈ HK$148,246/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,273
−HK$5,097/mo
▼ 0.25% · 3.875%
HK$83,801
−HK$2,569/mo
Today · 4.125%
HK$86,370
baseline
▲ 0.50% · 4.625%
HK$91,625
+HK$5,255/mo
Deposit HK$1.98M · loan HK$17.82M · min. income ≈ HK$172,740/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,415
−HK$4,885/mo
▼ 0.25% · 3.875%
HK$92,840
−HK$2,460/mo
Today · 4.125%
HK$95,300
baseline
▲ 0.50% · 4.625%
HK$100,324
+HK$5,024/mo
Deposit HK$1.98M · loan HK$17.82M · min. income ≈ HK$190,600/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,544 · Scale 2, in force from 26 Feb 2026)