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$49,823
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$51,373
−HK$1,575/mo
Today · 4.125%
HK$52,948
baseline
▲ 0.50% · 4.625%
HK$56,169
+HK$3,221/mo
Deposit HK$10.92M · loan HK$10.92M · min. income ≈ HK$105,896/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$928,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,428
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$56,914
−HK$1,508/mo
Today · 4.125%
HK$58,422
baseline
▲ 0.50% · 4.625%
HK$61,502
+HK$3,080/mo
Deposit HK$10.92M · loan HK$10.92M · min. income ≈ HK$116,844/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$928,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,788
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$61,648
−HK$1,889/mo
Today · 4.125%
HK$63,537
baseline
▲ 0.50% · 4.625%
HK$67,403
+HK$3,866/mo
Deposit HK$8.74M · loan HK$13.11M · min. income ≈ HK$127,074/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$928,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,513
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$68,297
−HK$1,810/mo
Today · 4.125%
HK$70,107
baseline
▲ 0.50% · 4.625%
HK$73,802
+HK$3,695/mo
Deposit HK$8.74M · loan HK$13.11M · min. income ≈ HK$140,214/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$928,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,753
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$71,922
−HK$2,205/mo
Today · 4.125%
HK$74,127
baseline
▲ 0.50% · 4.625%
HK$78,637
+HK$4,510/mo
Deposit HK$6.55M · loan HK$15.29M · min. income ≈ HK$148,254/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$928,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,599
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$79,680
−HK$2,111/mo
Today · 4.125%
HK$81,791
baseline
▲ 0.50% · 4.625%
HK$86,103
+HK$4,312/mo
Deposit HK$6.55M · loan HK$15.29M · min. income ≈ HK$163,582/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$928,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,682
−HK$5,624/mo
▼ 0.25% · 3.875%
HK$92,472
−HK$2,834/mo
Today · 4.125%
HK$95,306
baseline
▲ 0.50% · 4.625%
HK$101,105
+HK$5,799/mo
Deposit HK$2.18M · loan HK$19.66M · min. income ≈ HK$190,612/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,770
−HK$5,390/mo
▼ 0.25% · 3.875%
HK$102,446
−HK$2,714/mo
Today · 4.125%
HK$105,160
baseline
▲ 0.50% · 4.625%
HK$110,704
+HK$5,544/mo
Deposit HK$2.18M · loan HK$19.66M · min. income ≈ HK$210,320/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,619 · Scale 2, in force from 26 Feb 2026)