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$49,872
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$51,423
−HK$1,576/mo
Today · 4.125%
HK$52,999
baseline
▲ 0.50% · 4.625%
HK$56,224
+HK$3,225/mo
Deposit HK$10.94M · loan HK$10.94M · min. income ≈ HK$105,998/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$929,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,482
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$56,970
−HK$1,509/mo
Today · 4.125%
HK$58,479
baseline
▲ 0.50% · 4.625%
HK$61,562
+HK$3,083/mo
Deposit HK$10.94M · loan HK$10.94M · min. income ≈ HK$116,958/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$929,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,846
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$61,708
−HK$1,891/mo
Today · 4.125%
HK$63,599
baseline
▲ 0.50% · 4.625%
HK$67,469
+HK$3,870/mo
Deposit HK$8.75M · loan HK$13.12M · min. income ≈ HK$127,198/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$929,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,578
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$68,364
−HK$1,811/mo
Today · 4.125%
HK$70,175
baseline
▲ 0.50% · 4.625%
HK$73,874
+HK$3,699/mo
Deposit HK$8.75M · loan HK$13.12M · min. income ≈ HK$140,350/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$929,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,820
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$71,992
−HK$2,207/mo
Today · 4.125%
HK$74,199
baseline
▲ 0.50% · 4.625%
HK$78,714
+HK$4,515/mo
Deposit HK$6.56M · loan HK$15.31M · min. income ≈ HK$148,398/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$929,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,675
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$79,758
−HK$2,113/mo
Today · 4.125%
HK$81,871
baseline
▲ 0.50% · 4.625%
HK$86,187
+HK$4,316/mo
Deposit HK$6.56M · loan HK$15.31M · min. income ≈ HK$163,742/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$929,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,769
−HK$5,630/mo
▼ 0.25% · 3.875%
HK$92,562
−HK$2,837/mo
Today · 4.125%
HK$95,399
baseline
▲ 0.50% · 4.625%
HK$101,203
+HK$5,804/mo
Deposit HK$2.19M · loan HK$19.68M · min. income ≈ HK$190,798/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$929,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,867
−HK$5,396/mo
▼ 0.25% · 3.875%
HK$102,546
−HK$2,717/mo
Today · 4.125%
HK$105,263
baseline
▲ 0.50% · 4.625%
HK$110,811
+HK$5,548/mo
Deposit HK$2.19M · loan HK$19.68M · min. income ≈ HK$210,526/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$929,523 · Scale 2, in force from 26 Feb 2026)