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$45,327
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$46,737
−HK$1,433/mo
Today · 4.125%
HK$48,170
baseline
▲ 0.50% · 4.625%
HK$51,101
+HK$2,931/mo
Deposit HK$9.94M · loan HK$9.94M · min. income ≈ HK$96,340/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$745,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,426
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$51,779
−HK$1,372/mo
Today · 4.125%
HK$53,151
baseline
▲ 0.50% · 4.625%
HK$55,952
+HK$2,801/mo
Deposit HK$9.94M · loan HK$9.94M · min. income ≈ HK$106,302/mo (50% DSR)
Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$745,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,393
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$56,085
−HK$1,719/mo
Today · 4.125%
HK$57,804
baseline
▲ 0.50% · 4.625%
HK$61,321
+HK$3,517/mo
Deposit HK$7.95M · loan HK$11.93M · min. income ≈ HK$115,608/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$745,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,511
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$62,134
−HK$1,647/mo
Today · 4.125%
HK$63,781
baseline
▲ 0.50% · 4.625%
HK$67,143
+HK$3,362/mo
Deposit HK$7.95M · loan HK$11.93M · min. income ≈ HK$127,562/mo (50% DSR)
Upfront cash ≈ HK$8.70M (deposit + AVD stamp duty HK$745,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,458
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$65,432
−HK$2,006/mo
Today · 4.125%
HK$67,438
baseline
▲ 0.50% · 4.625%
HK$71,541
+HK$4,103/mo
Deposit HK$5.96M · loan HK$13.91M · min. income ≈ HK$134,876/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,597
−HK$3,814/mo
▼ 0.25% · 3.875%
HK$72,490
−HK$1,921/mo
Today · 4.125%
HK$74,411
baseline
▲ 0.50% · 4.625%
HK$78,333
+HK$3,922/mo
Deposit HK$5.96M · loan HK$13.91M · min. income ≈ HK$148,822/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$745,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,589
−HK$5,116/mo
▼ 0.25% · 3.875%
HK$84,127
−HK$2,578/mo
Today · 4.125%
HK$86,705
baseline
▲ 0.50% · 4.625%
HK$91,981
+HK$5,276/mo
Deposit HK$1.99M · loan HK$17.89M · min. income ≈ HK$173,410/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,767
−HK$4,904/mo
▼ 0.25% · 3.875%
HK$93,201
−HK$2,470/mo
Today · 4.125%
HK$95,671
baseline
▲ 0.50% · 4.625%
HK$100,714
+HK$5,043/mo
Deposit HK$1.99M · loan HK$17.89M · min. income ≈ HK$191,342/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$745,431 · Scale 2, in force from 26 Feb 2026)