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$49,805
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$51,355
−HK$1,574/mo
Today · 4.125%
HK$52,929
baseline
▲ 0.50% · 4.625%
HK$56,149
+HK$3,220/mo
Deposit HK$10.92M · loan HK$10.92M · min. income ≈ HK$105,858/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$928,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,408
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$56,894
−HK$1,508/mo
Today · 4.125%
HK$58,402
baseline
▲ 0.50% · 4.625%
HK$61,480
+HK$3,078/mo
Deposit HK$10.92M · loan HK$10.92M · min. income ≈ HK$116,804/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$928,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,766
−HK$3,748/mo
▼ 0.25% · 3.875%
HK$61,626
−HK$1,888/mo
Today · 4.125%
HK$63,514
baseline
▲ 0.50% · 4.625%
HK$67,379
+HK$3,865/mo
Deposit HK$8.74M · loan HK$13.11M · min. income ≈ HK$127,028/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$928,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,490
−HK$3,592/mo
▼ 0.25% · 3.875%
HK$68,273
−HK$1,809/mo
Today · 4.125%
HK$70,082
baseline
▲ 0.50% · 4.625%
HK$73,776
+HK$3,694/mo
Deposit HK$8.74M · loan HK$13.11M · min. income ≈ HK$140,164/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$928,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,728
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$71,897
−HK$2,203/mo
Today · 4.125%
HK$74,100
baseline
▲ 0.50% · 4.625%
HK$78,609
+HK$4,509/mo
Deposit HK$6.55M · loan HK$15.29M · min. income ≈ HK$148,200/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$928,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,571
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$79,652
−HK$2,110/mo
Today · 4.125%
HK$81,762
baseline
▲ 0.50% · 4.625%
HK$86,072
+HK$4,310/mo
Deposit HK$6.55M · loan HK$15.29M · min. income ≈ HK$163,524/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$928,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,650
−HK$5,622/mo
▼ 0.25% · 3.875%
HK$92,438
−HK$2,834/mo
Today · 4.125%
HK$95,272
baseline
▲ 0.50% · 4.625%
HK$101,069
+HK$5,797/mo
Deposit HK$2.18M · loan HK$19.66M · min. income ≈ HK$190,544/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,734
−HK$5,389/mo
▼ 0.25% · 3.875%
HK$102,409
−HK$2,714/mo
Today · 4.125%
HK$105,123
baseline
▲ 0.50% · 4.625%
HK$110,664
+HK$5,541/mo
Deposit HK$2.18M · loan HK$19.66M · min. income ≈ HK$210,246/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,286 · Scale 2, in force from 26 Feb 2026)