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$49,980
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$51,535
−HK$1,579/mo
Today · 4.125%
HK$53,114
baseline
▲ 0.50% · 4.625%
HK$56,346
+HK$3,232/mo
Deposit HK$10.96M · loan HK$10.96M · min. income ≈ HK$106,228/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$931,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,603
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$57,094
−HK$1,513/mo
Today · 4.125%
HK$58,607
baseline
▲ 0.50% · 4.625%
HK$61,696
+HK$3,089/mo
Deposit HK$10.96M · loan HK$10.96M · min. income ≈ HK$117,214/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$931,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,976
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$61,842
−HK$1,895/mo
Today · 4.125%
HK$63,737
baseline
▲ 0.50% · 4.625%
HK$67,616
+HK$3,879/mo
Deposit HK$8.77M · loan HK$13.15M · min. income ≈ HK$127,474/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$931,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,723
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$68,513
−HK$1,815/mo
Today · 4.125%
HK$70,328
baseline
▲ 0.50% · 4.625%
HK$74,035
+HK$3,707/mo
Deposit HK$8.77M · loan HK$13.15M · min. income ≈ HK$140,656/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$931,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,972
−HK$4,388/mo
▼ 0.25% · 3.875%
HK$72,149
−HK$2,211/mo
Today · 4.125%
HK$74,360
baseline
▲ 0.50% · 4.625%
HK$78,885
+HK$4,525/mo
Deposit HK$6.58M · loan HK$15.34M · min. income ≈ HK$148,720/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$931,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,844
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$79,931
−HK$2,118/mo
Today · 4.125%
HK$82,049
baseline
▲ 0.50% · 4.625%
HK$86,374
+HK$4,325/mo
Deposit HK$6.58M · loan HK$15.34M · min. income ≈ HK$164,098/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$931,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,964
−HK$5,642/mo
▼ 0.25% · 3.875%
HK$92,763
−HK$2,843/mo
Today · 4.125%
HK$95,606
baseline
▲ 0.50% · 4.625%
HK$101,423
+HK$5,817/mo
Deposit HK$2.19M · loan HK$19.73M · min. income ≈ HK$191,212/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,085
−HK$5,407/mo
▼ 0.25% · 3.875%
HK$102,769
−HK$2,723/mo
Today · 4.125%
HK$105,492
baseline
▲ 0.50% · 4.625%
HK$111,052
+HK$5,560/mo
Deposit HK$2.19M · loan HK$19.73M · min. income ≈ HK$210,984/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,545 · Scale 2, in force from 26 Feb 2026)