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$49,698
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$51,244
−HK$1,570/mo
Today · 4.125%
HK$52,814
baseline
▲ 0.50% · 4.625%
HK$56,028
+HK$3,214/mo
Deposit HK$10.90M · loan HK$10.90M · min. income ≈ HK$105,628/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$926,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,288
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$56,771
−HK$1,504/mo
Today · 4.125%
HK$58,275
baseline
▲ 0.50% · 4.625%
HK$61,347
+HK$3,072/mo
Deposit HK$10.90M · loan HK$10.90M · min. income ≈ HK$116,550/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$926,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,637
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$61,492
−HK$1,885/mo
Today · 4.125%
HK$63,377
baseline
▲ 0.50% · 4.625%
HK$67,233
+HK$3,856/mo
Deposit HK$8.72M · loan HK$13.08M · min. income ≈ HK$126,754/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$926,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,346
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$68,125
−HK$1,805/mo
Today · 4.125%
HK$69,930
baseline
▲ 0.50% · 4.625%
HK$73,616
+HK$3,686/mo
Deposit HK$8.72M · loan HK$13.08M · min. income ≈ HK$139,860/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$926,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,577
−HK$4,363/mo
▼ 0.25% · 3.875%
HK$71,741
−HK$2,199/mo
Today · 4.125%
HK$73,940
baseline
▲ 0.50% · 4.625%
HK$78,439
+HK$4,499/mo
Deposit HK$6.54M · loan HK$15.26M · min. income ≈ HK$147,880/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$926,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,403
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$79,479
−HK$2,106/mo
Today · 4.125%
HK$81,585
baseline
▲ 0.50% · 4.625%
HK$85,886
+HK$4,301/mo
Deposit HK$6.54M · loan HK$15.26M · min. income ≈ HK$163,170/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$926,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,456
−HK$5,609/mo
▼ 0.25% · 3.875%
HK$92,238
−HK$2,827/mo
Today · 4.125%
HK$95,065
baseline
▲ 0.50% · 4.625%
HK$100,850
+HK$5,785/mo
Deposit HK$2.18M · loan HK$19.62M · min. income ≈ HK$190,130/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$926,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,519
−HK$5,376/mo
▼ 0.25% · 3.875%
HK$102,188
−HK$2,707/mo
Today · 4.125%
HK$104,895
baseline
▲ 0.50% · 4.625%
HK$110,425
+HK$5,530/mo
Deposit HK$2.18M · loan HK$19.62M · min. income ≈ HK$209,790/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$926,278 · Scale 2, in force from 26 Feb 2026)