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$45,268
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$46,676
−HK$1,431/mo
Today · 4.125%
HK$48,107
baseline
▲ 0.50% · 4.625%
HK$51,034
+HK$2,927/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$96,214/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,360
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$51,711
−HK$1,370/mo
Today · 4.125%
HK$53,081
baseline
▲ 0.50% · 4.625%
HK$55,879
+HK$2,798/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$106,162/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,321
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$56,011
−HK$1,717/mo
Today · 4.125%
HK$57,728
baseline
▲ 0.50% · 4.625%
HK$61,241
+HK$3,513/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$115,456/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$744,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,432
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$62,053
−HK$1,644/mo
Today · 4.125%
HK$63,697
baseline
▲ 0.50% · 4.625%
HK$67,055
+HK$3,358/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$127,394/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$744,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,375
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$65,346
−HK$2,003/mo
Today · 4.125%
HK$67,349
baseline
▲ 0.50% · 4.625%
HK$71,447
+HK$4,098/mo
Deposit HK$5.96M · loan HK$13.90M · min. income ≈ HK$134,698/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,504
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$72,395
−HK$1,918/mo
Today · 4.125%
HK$74,313
baseline
▲ 0.50% · 4.625%
HK$78,230
+HK$3,917/mo
Deposit HK$5.96M · loan HK$13.90M · min. income ≈ HK$148,626/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,482
−HK$5,110/mo
▼ 0.25% · 3.875%
HK$84,017
−HK$2,575/mo
Today · 4.125%
HK$86,592
baseline
▲ 0.50% · 4.625%
HK$91,861
+HK$5,269/mo
Deposit HK$1.99M · loan HK$17.87M · min. income ≈ HK$173,184/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,648
−HK$4,898/mo
▼ 0.25% · 3.875%
HK$93,079
−HK$2,467/mo
Today · 4.125%
HK$95,546
baseline
▲ 0.50% · 4.625%
HK$100,582
+HK$5,036/mo
Deposit HK$1.99M · loan HK$17.87M · min. income ≈ HK$191,092/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,455 · Scale 2, in force from 26 Feb 2026)