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$49,919
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$51,472
−HK$1,577/mo
Today · 4.125%
HK$53,049
baseline
▲ 0.50% · 4.625%
HK$56,277
+HK$3,228/mo
Deposit HK$10.95M · loan HK$10.95M · min. income ≈ HK$106,098/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$930,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,534
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$57,024
−HK$1,511/mo
Today · 4.125%
HK$58,535
baseline
▲ 0.50% · 4.625%
HK$61,620
+HK$3,085/mo
Deposit HK$10.95M · loan HK$10.95M · min. income ≈ HK$117,070/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$930,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,903
−HK$3,756/mo
▼ 0.25% · 3.875%
HK$61,766
−HK$1,893/mo
Today · 4.125%
HK$63,659
baseline
▲ 0.50% · 4.625%
HK$67,533
+HK$3,874/mo
Deposit HK$8.76M · loan HK$13.14M · min. income ≈ HK$127,318/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$930,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,641
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$68,428
−HK$1,813/mo
Today · 4.125%
HK$70,241
baseline
▲ 0.50% · 4.625%
HK$73,944
+HK$3,703/mo
Deposit HK$8.76M · loan HK$13.14M · min. income ≈ HK$140,482/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$930,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,886
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$72,060
−HK$2,209/mo
Today · 4.125%
HK$74,269
baseline
▲ 0.50% · 4.625%
HK$78,788
+HK$4,519/mo
Deposit HK$6.57M · loan HK$15.32M · min. income ≈ HK$148,538/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$930,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,748
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$79,833
−HK$2,115/mo
Today · 4.125%
HK$81,948
baseline
▲ 0.50% · 4.625%
HK$86,268
+HK$4,320/mo
Deposit HK$6.57M · loan HK$15.32M · min. income ≈ HK$163,896/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$930,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,854
−HK$5,635/mo
▼ 0.25% · 3.875%
HK$92,649
−HK$2,840/mo
Today · 4.125%
HK$95,489
baseline
▲ 0.50% · 4.625%
HK$101,299
+HK$5,810/mo
Deposit HK$2.19M · loan HK$19.70M · min. income ≈ HK$190,978/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,962
−HK$5,400/mo
▼ 0.25% · 3.875%
HK$102,642
−HK$2,720/mo
Today · 4.125%
HK$105,362
baseline
▲ 0.50% · 4.625%
HK$110,916
+HK$5,554/mo
Deposit HK$2.19M · loan HK$19.70M · min. income ≈ HK$210,724/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,400 · Scale 2, in force from 26 Feb 2026)