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$45,123
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$46,527
−HK$1,426/mo
Today · 4.125%
HK$47,953
baseline
▲ 0.50% · 4.625%
HK$50,870
+HK$2,917/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$95,906/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$742,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,199
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$51,545
−HK$1,366/mo
Today · 4.125%
HK$52,911
baseline
▲ 0.50% · 4.625%
HK$55,700
+HK$2,789/mo
Deposit HK$9.89M · loan HK$9.89M · min. income ≈ HK$105,822/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$742,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,148
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$55,832
−HK$1,711/mo
Today · 4.125%
HK$57,543
baseline
▲ 0.50% · 4.625%
HK$61,045
+HK$3,502/mo
Deposit HK$7.92M · loan HK$11.87M · min. income ≈ HK$115,086/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$742,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,239
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$61,854
−HK$1,639/mo
Today · 4.125%
HK$63,493
baseline
▲ 0.50% · 4.625%
HK$66,840
+HK$3,347/mo
Deposit HK$7.92M · loan HK$11.87M · min. income ≈ HK$126,986/mo (50% DSR)
Upfront cash ≈ HK$8.66M (deposit + AVD stamp duty HK$742,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,172
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$65,137
−HK$1,997/mo
Today · 4.125%
HK$67,134
baseline
▲ 0.50% · 4.625%
HK$71,219
+HK$4,085/mo
Deposit HK$5.94M · loan HK$13.85M · min. income ≈ HK$134,268/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,278
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$72,163
−HK$1,912/mo
Today · 4.125%
HK$74,075
baseline
▲ 0.50% · 4.625%
HK$77,980
+HK$3,905/mo
Deposit HK$5.94M · loan HK$13.85M · min. income ≈ HK$148,150/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$742,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,221
−HK$5,094/mo
▼ 0.25% · 3.875%
HK$83,748
−HK$2,567/mo
Today · 4.125%
HK$86,315
baseline
▲ 0.50% · 4.625%
HK$91,567
+HK$5,252/mo
Deposit HK$1.98M · loan HK$17.81M · min. income ≈ HK$172,630/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,358
−HK$4,882/mo
▼ 0.25% · 3.875%
HK$92,781
−HK$2,459/mo
Today · 4.125%
HK$95,240
baseline
▲ 0.50% · 4.625%
HK$100,260
+HK$5,020/mo
Deposit HK$1.98M · loan HK$17.81M · min. income ≈ HK$190,480/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$742,072 · Scale 2, in force from 26 Feb 2026)