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$45,278
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$46,687
−HK$1,431/mo
Today · 4.125%
HK$48,118
baseline
▲ 0.50% · 4.625%
HK$51,046
+HK$2,928/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$96,236/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,372
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$51,723
−HK$1,370/mo
Today · 4.125%
HK$53,093
baseline
▲ 0.50% · 4.625%
HK$55,892
+HK$2,799/mo
Deposit HK$9.93M · loan HK$9.93M · min. income ≈ HK$106,186/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$744,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,334
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$56,024
−HK$1,717/mo
Today · 4.125%
HK$57,741
baseline
▲ 0.50% · 4.625%
HK$61,255
+HK$3,514/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$115,482/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$744,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,446
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$62,067
−HK$1,645/mo
Today · 4.125%
HK$63,712
baseline
▲ 0.50% · 4.625%
HK$67,070
+HK$3,358/mo
Deposit HK$7.94M · loan HK$11.91M · min. income ≈ HK$127,424/mo (50% DSR)
Upfront cash ≈ HK$8.69M (deposit + AVD stamp duty HK$744,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,390
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$65,361
−HK$2,004/mo
Today · 4.125%
HK$67,365
baseline
▲ 0.50% · 4.625%
HK$71,464
+HK$4,099/mo
Deposit HK$5.96M · loan HK$13.90M · min. income ≈ HK$134,730/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,520
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$72,412
−HK$1,918/mo
Today · 4.125%
HK$74,330
baseline
▲ 0.50% · 4.625%
HK$78,248
+HK$3,918/mo
Deposit HK$5.96M · loan HK$13.90M · min. income ≈ HK$148,660/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$744,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,501
−HK$5,111/mo
▼ 0.25% · 3.875%
HK$84,036
−HK$2,576/mo
Today · 4.125%
HK$86,612
baseline
▲ 0.50% · 4.625%
HK$91,882
+HK$5,270/mo
Deposit HK$1.99M · loan HK$17.87M · min. income ≈ HK$173,224/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,669
−HK$4,899/mo
▼ 0.25% · 3.875%
HK$93,101
−HK$2,467/mo
Today · 4.125%
HK$95,568
baseline
▲ 0.50% · 4.625%
HK$100,605
+HK$5,037/mo
Deposit HK$1.99M · loan HK$17.87M · min. income ≈ HK$191,136/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$744,626 · Scale 2, in force from 26 Feb 2026)