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$50,013
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$51,569
−HK$1,581/mo
Today · 4.125%
HK$53,150
baseline
▲ 0.50% · 4.625%
HK$56,384
+HK$3,234/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$106,300/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$932,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,639
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$57,132
−HK$1,513/mo
Today · 4.125%
HK$58,645
baseline
▲ 0.50% · 4.625%
HK$61,737
+HK$3,092/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$117,290/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$932,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,016
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$61,883
−HK$1,897/mo
Today · 4.125%
HK$63,780
baseline
▲ 0.50% · 4.625%
HK$67,660
+HK$3,880/mo
Deposit HK$8.77M · loan HK$13.16M · min. income ≈ HK$127,560/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,767
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$68,558
−HK$1,817/mo
Today · 4.125%
HK$70,375
baseline
▲ 0.50% · 4.625%
HK$74,084
+HK$3,709/mo
Deposit HK$8.77M · loan HK$13.16M · min. income ≈ HK$140,750/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,019
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$72,197
−HK$2,213/mo
Today · 4.125%
HK$74,410
baseline
▲ 0.50% · 4.625%
HK$78,937
+HK$4,527/mo
Deposit HK$6.58M · loan HK$15.35M · min. income ≈ HK$148,820/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$932,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,895
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$79,984
−HK$2,120/mo
Today · 4.125%
HK$82,104
baseline
▲ 0.50% · 4.625%
HK$86,431
+HK$4,327/mo
Deposit HK$6.58M · loan HK$15.35M · min. income ≈ HK$164,208/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$932,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,024
−HK$5,645/mo
▼ 0.25% · 3.875%
HK$92,824
−HK$2,845/mo
Today · 4.125%
HK$95,669
baseline
▲ 0.50% · 4.625%
HK$101,491
+HK$5,822/mo
Deposit HK$2.19M · loan HK$19.74M · min. income ≈ HK$191,338/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,151
−HK$5,411/mo
▼ 0.25% · 3.875%
HK$102,837
−HK$2,725/mo
Today · 4.125%
HK$105,562
baseline
▲ 0.50% · 4.625%
HK$111,126
+HK$5,564/mo
Deposit HK$2.19M · loan HK$19.74M · min. income ≈ HK$211,124/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,163 · Scale 2, in force from 26 Feb 2026)