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$49,910
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$51,462
−HK$1,578/mo
Today · 4.125%
HK$53,040
baseline
▲ 0.50% · 4.625%
HK$56,267
+HK$3,227/mo
Deposit HK$10.94M · loan HK$10.94M · min. income ≈ HK$106,080/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$930,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,524
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$57,013
−HK$1,511/mo
Today · 4.125%
HK$58,524
baseline
▲ 0.50% · 4.625%
HK$61,609
+HK$3,085/mo
Deposit HK$10.94M · loan HK$10.94M · min. income ≈ HK$117,048/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$930,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,892
−HK$3,756/mo
▼ 0.25% · 3.875%
HK$61,755
−HK$1,893/mo
Today · 4.125%
HK$63,648
baseline
▲ 0.50% · 4.625%
HK$67,520
+HK$3,872/mo
Deposit HK$8.76M · loan HK$13.13M · min. income ≈ HK$127,296/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$930,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,629
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$68,416
−HK$1,813/mo
Today · 4.125%
HK$70,229
baseline
▲ 0.50% · 4.625%
HK$73,931
+HK$3,702/mo
Deposit HK$8.76M · loan HK$13.13M · min. income ≈ HK$140,458/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$930,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,874
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$72,047
−HK$2,209/mo
Today · 4.125%
HK$74,256
baseline
▲ 0.50% · 4.625%
HK$78,774
+HK$4,518/mo
Deposit HK$6.57M · loan HK$15.32M · min. income ≈ HK$148,512/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$930,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,734
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$79,819
−HK$2,115/mo
Today · 4.125%
HK$81,934
baseline
▲ 0.50% · 4.625%
HK$86,253
+HK$4,319/mo
Deposit HK$6.57M · loan HK$15.32M · min. income ≈ HK$163,868/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$930,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,838
−HK$5,633/mo
▼ 0.25% · 3.875%
HK$92,632
−HK$2,839/mo
Today · 4.125%
HK$95,471
baseline
▲ 0.50% · 4.625%
HK$101,281
+HK$5,810/mo
Deposit HK$2.19M · loan HK$19.70M · min. income ≈ HK$190,942/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,944
−HK$5,399/mo
▼ 0.25% · 3.875%
HK$102,624
−HK$2,719/mo
Today · 4.125%
HK$105,343
baseline
▲ 0.50% · 4.625%
HK$110,896
+HK$5,553/mo
Deposit HK$2.19M · loan HK$19.70M · min. income ≈ HK$210,686/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,234 · Scale 2, in force from 26 Feb 2026)