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$49,780
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$51,328
−HK$1,573/mo
Today · 4.125%
HK$52,901
baseline
▲ 0.50% · 4.625%
HK$56,120
+HK$3,219/mo
Deposit HK$10.92M · loan HK$10.92M · min. income ≈ HK$105,802/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$927,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,380
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$56,865
−HK$1,506/mo
Today · 4.125%
HK$58,371
baseline
▲ 0.50% · 4.625%
HK$61,448
+HK$3,077/mo
Deposit HK$10.92M · loan HK$10.92M · min. income ≈ HK$116,742/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$927,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,736
−HK$3,746/mo
▼ 0.25% · 3.875%
HK$61,594
−HK$1,888/mo
Today · 4.125%
HK$63,482
baseline
▲ 0.50% · 4.625%
HK$67,344
+HK$3,862/mo
Deposit HK$8.73M · loan HK$13.10M · min. income ≈ HK$126,964/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$927,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,455
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$68,238
−HK$1,808/mo
Today · 4.125%
HK$70,046
baseline
▲ 0.50% · 4.625%
HK$73,738
+HK$3,692/mo
Deposit HK$8.73M · loan HK$13.10M · min. income ≈ HK$140,092/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$927,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,692
−HK$4,370/mo
▼ 0.25% · 3.875%
HK$71,859
−HK$2,203/mo
Today · 4.125%
HK$74,062
baseline
▲ 0.50% · 4.625%
HK$78,568
+HK$4,506/mo
Deposit HK$6.55M · loan HK$15.28M · min. income ≈ HK$148,124/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$927,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,531
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$79,611
−HK$2,109/mo
Today · 4.125%
HK$81,720
baseline
▲ 0.50% · 4.625%
HK$86,028
+HK$4,308/mo
Deposit HK$6.55M · loan HK$15.28M · min. income ≈ HK$163,440/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$927,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,604
−HK$5,619/mo
▼ 0.25% · 3.875%
HK$92,391
−HK$2,832/mo
Today · 4.125%
HK$95,223
baseline
▲ 0.50% · 4.625%
HK$101,017
+HK$5,794/mo
Deposit HK$2.18M · loan HK$19.65M · min. income ≈ HK$190,446/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$927,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,683
−HK$5,386/mo
▼ 0.25% · 3.875%
HK$102,357
−HK$2,712/mo
Today · 4.125%
HK$105,069
baseline
▲ 0.50% · 4.625%
HK$110,607
+HK$5,538/mo
Deposit HK$2.18M · loan HK$19.65M · min. income ≈ HK$210,138/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$927,809 · Scale 2, in force from 26 Feb 2026)