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$49,746
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$51,293
−HK$1,572/mo
Today · 4.125%
HK$52,865
baseline
▲ 0.50% · 4.625%
HK$56,082
+HK$3,217/mo
Deposit HK$10.91M · loan HK$10.91M · min. income ≈ HK$105,730/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$927,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,342
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$56,826
−HK$1,506/mo
Today · 4.125%
HK$58,332
baseline
▲ 0.50% · 4.625%
HK$61,406
+HK$3,074/mo
Deposit HK$10.91M · loan HK$10.91M · min. income ≈ HK$116,664/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$927,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,695
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$61,552
−HK$1,886/mo
Today · 4.125%
HK$63,438
baseline
▲ 0.50% · 4.625%
HK$67,298
+HK$3,860/mo
Deposit HK$8.73M · loan HK$13.09M · min. income ≈ HK$126,876/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$927,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,410
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$68,191
−HK$1,807/mo
Today · 4.125%
HK$69,998
baseline
▲ 0.50% · 4.625%
HK$73,688
+HK$3,690/mo
Deposit HK$8.73M · loan HK$13.09M · min. income ≈ HK$139,996/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$927,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,644
−HK$4,367/mo
▼ 0.25% · 3.875%
HK$71,810
−HK$2,201/mo
Today · 4.125%
HK$74,011
baseline
▲ 0.50% · 4.625%
HK$78,515
+HK$4,504/mo
Deposit HK$6.54M · loan HK$15.27M · min. income ≈ HK$148,022/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$927,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,478
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$79,556
−HK$2,108/mo
Today · 4.125%
HK$81,664
baseline
▲ 0.50% · 4.625%
HK$85,969
+HK$4,305/mo
Deposit HK$6.54M · loan HK$15.27M · min. income ≈ HK$163,328/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$927,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,542
−HK$5,616/mo
▼ 0.25% · 3.875%
HK$92,328
−HK$2,830/mo
Today · 4.125%
HK$95,158
baseline
▲ 0.50% · 4.625%
HK$100,948
+HK$5,790/mo
Deposit HK$2.18M · loan HK$19.63M · min. income ≈ HK$190,316/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$927,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,615
−HK$5,382/mo
▼ 0.25% · 3.875%
HK$102,287
−HK$2,710/mo
Today · 4.125%
HK$104,997
baseline
▲ 0.50% · 4.625%
HK$110,532
+HK$5,535/mo
Deposit HK$2.18M · loan HK$19.63M · min. income ≈ HK$209,994/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$927,176 · Scale 2, in force from 26 Feb 2026)