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$49,921
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$51,474
−HK$1,577/mo
Today · 4.125%
HK$53,051
baseline
▲ 0.50% · 4.625%
HK$56,279
+HK$3,228/mo
Deposit HK$10.95M · loan HK$10.95M · min. income ≈ HK$106,102/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$930,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,536
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$57,026
−HK$1,511/mo
Today · 4.125%
HK$58,537
baseline
▲ 0.50% · 4.625%
HK$61,622
+HK$3,085/mo
Deposit HK$10.95M · loan HK$10.95M · min. income ≈ HK$117,074/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$930,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,905
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$61,768
−HK$1,894/mo
Today · 4.125%
HK$63,662
baseline
▲ 0.50% · 4.625%
HK$67,535
+HK$3,873/mo
Deposit HK$8.76M · loan HK$13.14M · min. income ≈ HK$127,324/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$930,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,644
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$68,431
−HK$1,813/mo
Today · 4.125%
HK$70,244
baseline
▲ 0.50% · 4.625%
HK$73,947
+HK$3,703/mo
Deposit HK$8.76M · loan HK$13.14M · min. income ≈ HK$140,488/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$930,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,889
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$72,063
−HK$2,209/mo
Today · 4.125%
HK$74,272
baseline
▲ 0.50% · 4.625%
HK$78,791
+HK$4,519/mo
Deposit HK$6.57M · loan HK$15.32M · min. income ≈ HK$148,544/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$930,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,751
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$79,836
−HK$2,116/mo
Today · 4.125%
HK$81,952
baseline
▲ 0.50% · 4.625%
HK$86,271
+HK$4,319/mo
Deposit HK$6.57M · loan HK$15.32M · min. income ≈ HK$163,904/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$930,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,857
−HK$5,635/mo
▼ 0.25% · 3.875%
HK$92,653
−HK$2,839/mo
Today · 4.125%
HK$95,492
baseline
▲ 0.50% · 4.625%
HK$101,303
+HK$5,811/mo
Deposit HK$2.19M · loan HK$19.70M · min. income ≈ HK$190,984/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,966
−HK$5,400/mo
▼ 0.25% · 3.875%
HK$102,647
−HK$2,719/mo
Today · 4.125%
HK$105,366
baseline
▲ 0.50% · 4.625%
HK$110,920
+HK$5,554/mo
Deposit HK$2.19M · loan HK$19.70M · min. income ≈ HK$210,732/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,437 · Scale 2, in force from 26 Feb 2026)