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$45,552
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$46,969
−HK$1,439/mo
Today · 4.125%
HK$48,408
baseline
▲ 0.50% · 4.625%
HK$51,354
+HK$2,946/mo
Deposit HK$9.99M · loan HK$9.99M · min. income ≈ HK$96,816/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$749,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,676
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$52,035
−HK$1,379/mo
Today · 4.125%
HK$53,414
baseline
▲ 0.50% · 4.625%
HK$56,229
+HK$2,815/mo
Deposit HK$9.99M · loan HK$9.99M · min. income ≈ HK$106,828/mo (50% DSR)
Upfront cash ≈ HK$10.74M (deposit + AVD stamp duty HK$749,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,662
−HK$3,428/mo
▼ 0.25% · 3.875%
HK$56,363
−HK$1,727/mo
Today · 4.125%
HK$58,090
baseline
▲ 0.50% · 4.625%
HK$61,625
+HK$3,535/mo
Deposit HK$7.99M · loan HK$11.99M · min. income ≈ HK$116,180/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$749,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,811
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$62,442
−HK$1,655/mo
Today · 4.125%
HK$64,097
baseline
▲ 0.50% · 4.625%
HK$67,475
+HK$3,378/mo
Deposit HK$7.99M · loan HK$11.99M · min. income ≈ HK$128,194/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$749,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,773
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$65,756
−HK$2,016/mo
Today · 4.125%
HK$67,772
baseline
▲ 0.50% · 4.625%
HK$71,895
+HK$4,123/mo
Deposit HK$5.99M · loan HK$13.98M · min. income ≈ HK$135,544/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$749,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,946
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$72,849
−HK$1,930/mo
Today · 4.125%
HK$74,779
baseline
▲ 0.50% · 4.625%
HK$78,721
+HK$3,942/mo
Deposit HK$5.99M · loan HK$13.98M · min. income ≈ HK$149,558/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$749,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,993
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$84,544
−HK$2,591/mo
Today · 4.125%
HK$87,135
baseline
▲ 0.50% · 4.625%
HK$92,437
+HK$5,302/mo
Deposit HK$2.00M · loan HK$17.98M · min. income ≈ HK$174,270/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,217
−HK$4,928/mo
▼ 0.25% · 3.875%
HK$93,663
−HK$2,482/mo
Today · 4.125%
HK$96,145
baseline
▲ 0.50% · 4.625%
HK$101,213
+HK$5,068/mo
Deposit HK$2.00M · loan HK$17.98M · min. income ≈ HK$192,290/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$749,125 · Scale 2, in force from 26 Feb 2026)