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$50,484
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$52,055
−HK$1,595/mo
Today · 4.125%
HK$53,650
baseline
▲ 0.50% · 4.625%
HK$56,915
+HK$3,265/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$107,300/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$940,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,163
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$57,670
−HK$1,528/mo
Today · 4.125%
HK$59,198
baseline
▲ 0.50% · 4.625%
HK$62,318
+HK$3,120/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$118,396/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$940,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,581
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$62,466
−HK$1,914/mo
Today · 4.125%
HK$64,380
baseline
▲ 0.50% · 4.625%
HK$68,298
+HK$3,918/mo
Deposit HK$8.86M · loan HK$13.28M · min. income ≈ HK$128,760/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$940,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,396
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$69,203
−HK$1,834/mo
Today · 4.125%
HK$71,037
baseline
▲ 0.50% · 4.625%
HK$74,782
+HK$3,745/mo
Deposit HK$8.86M · loan HK$13.28M · min. income ≈ HK$142,074/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$940,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,678
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$72,877
−HK$2,233/mo
Today · 4.125%
HK$75,110
baseline
▲ 0.50% · 4.625%
HK$79,680
+HK$4,570/mo
Deposit HK$6.64M · loan HK$15.50M · min. income ≈ HK$150,220/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,629
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$80,737
−HK$2,140/mo
Today · 4.125%
HK$82,877
baseline
▲ 0.50% · 4.625%
HK$87,245
+HK$4,368/mo
Deposit HK$6.64M · loan HK$15.50M · min. income ≈ HK$165,754/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,872
−HK$5,698/mo
▼ 0.25% · 3.875%
HK$93,698
−HK$2,872/mo
Today · 4.125%
HK$96,570
baseline
▲ 0.50% · 4.625%
HK$102,446
+HK$5,876/mo
Deposit HK$2.21M · loan HK$19.93M · min. income ≈ HK$193,140/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,094
−HK$5,462/mo
▼ 0.25% · 3.875%
HK$103,805
−HK$2,751/mo
Today · 4.125%
HK$106,556
baseline
▲ 0.50% · 4.625%
HK$112,172
+HK$5,616/mo
Deposit HK$2.21M · loan HK$19.93M · min. income ≈ HK$213,112/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,940 · Scale 2, in force from 26 Feb 2026)