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$50,025
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$51,581
−HK$1,581/mo
Today · 4.125%
HK$53,162
baseline
▲ 0.50% · 4.625%
HK$56,396
+HK$3,234/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$106,324/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$932,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,652
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$57,144
−HK$1,515/mo
Today · 4.125%
HK$58,659
baseline
▲ 0.50% · 4.625%
HK$61,751
+HK$3,092/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$117,318/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$932,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,030
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$61,897
−HK$1,897/mo
Today · 4.125%
HK$63,794
baseline
▲ 0.50% · 4.625%
HK$67,676
+HK$3,882/mo
Deposit HK$8.78M · loan HK$13.16M · min. income ≈ HK$127,588/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,782
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$68,573
−HK$1,817/mo
Today · 4.125%
HK$70,390
baseline
▲ 0.50% · 4.625%
HK$74,101
+HK$3,711/mo
Deposit HK$8.78M · loan HK$13.16M · min. income ≈ HK$140,780/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,034
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$72,213
−HK$2,213/mo
Today · 4.125%
HK$74,426
baseline
▲ 0.50% · 4.625%
HK$78,955
+HK$4,529/mo
Deposit HK$6.58M · loan HK$15.36M · min. income ≈ HK$148,852/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$932,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,913
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$80,002
−HK$2,120/mo
Today · 4.125%
HK$82,122
baseline
▲ 0.50% · 4.625%
HK$86,451
+HK$4,329/mo
Deposit HK$6.58M · loan HK$15.36M · min. income ≈ HK$164,244/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$932,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,044
−HK$5,647/mo
▼ 0.25% · 3.875%
HK$92,845
−HK$2,846/mo
Today · 4.125%
HK$95,691
baseline
▲ 0.50% · 4.625%
HK$101,513
+HK$5,822/mo
Deposit HK$2.19M · loan HK$19.74M · min. income ≈ HK$191,382/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,173
−HK$5,412/mo
▼ 0.25% · 3.875%
HK$102,860
−HK$2,725/mo
Today · 4.125%
HK$105,585
baseline
▲ 0.50% · 4.625%
HK$111,151
+HK$5,566/mo
Deposit HK$2.19M · loan HK$19.74M · min. income ≈ HK$211,170/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,372 · Scale 2, in force from 26 Feb 2026)