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$45,466
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$46,880
−HK$1,437/mo
Today · 4.125%
HK$48,317
baseline
▲ 0.50% · 4.625%
HK$51,257
+HK$2,940/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$96,634/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$747,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,580
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$51,937
−HK$1,376/mo
Today · 4.125%
HK$53,313
baseline
▲ 0.50% · 4.625%
HK$56,123
+HK$2,810/mo
Deposit HK$9.97M · loan HK$9.97M · min. income ≈ HK$106,626/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$747,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,559
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$56,256
−HK$1,725/mo
Today · 4.125%
HK$57,981
baseline
▲ 0.50% · 4.625%
HK$61,509
+HK$3,528/mo
Deposit HK$7.98M · loan HK$11.96M · min. income ≈ HK$115,962/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,697
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$62,324
−HK$1,652/mo
Today · 4.125%
HK$63,976
baseline
▲ 0.50% · 4.625%
HK$67,348
+HK$3,372/mo
Deposit HK$7.98M · loan HK$11.96M · min. income ≈ HK$127,952/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$747,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,652
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$65,632
−HK$2,012/mo
Today · 4.125%
HK$67,644
baseline
▲ 0.50% · 4.625%
HK$71,760
+HK$4,116/mo
Deposit HK$5.98M · loan HK$13.96M · min. income ≈ HK$135,288/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,813
−HK$3,825/mo
▼ 0.25% · 3.875%
HK$72,712
−HK$1,926/mo
Today · 4.125%
HK$74,638
baseline
▲ 0.50% · 4.625%
HK$78,573
+HK$3,935/mo
Deposit HK$5.98M · loan HK$13.96M · min. income ≈ HK$149,276/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$747,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,839
−HK$5,132/mo
▼ 0.25% · 3.875%
HK$84,384
−HK$2,587/mo
Today · 4.125%
HK$86,971
baseline
▲ 0.50% · 4.625%
HK$92,263
+HK$5,292/mo
Deposit HK$1.99M · loan HK$17.95M · min. income ≈ HK$173,942/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,045
−HK$4,919/mo
▼ 0.25% · 3.875%
HK$93,487
−HK$2,477/mo
Today · 4.125%
HK$95,964
baseline
▲ 0.50% · 4.625%
HK$101,022
+HK$5,058/mo
Deposit HK$1.99M · loan HK$17.95M · min. income ≈ HK$191,928/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$747,712 · Scale 2, in force from 26 Feb 2026)