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$50,474
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$52,044
−HK$1,595/mo
Today · 4.125%
HK$53,639
baseline
▲ 0.50% · 4.625%
HK$56,903
+HK$3,264/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$107,278/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$940,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,152
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$57,658
−HK$1,528/mo
Today · 4.125%
HK$59,186
baseline
▲ 0.50% · 4.625%
HK$62,306
+HK$3,120/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$118,372/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$940,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,569
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$62,453
−HK$1,914/mo
Today · 4.125%
HK$64,367
baseline
▲ 0.50% · 4.625%
HK$68,284
+HK$3,917/mo
Deposit HK$8.85M · loan HK$13.28M · min. income ≈ HK$128,734/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$940,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,382
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$69,190
−HK$1,833/mo
Today · 4.125%
HK$71,023
baseline
▲ 0.50% · 4.625%
HK$74,767
+HK$3,744/mo
Deposit HK$8.85M · loan HK$13.28M · min. income ≈ HK$142,046/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$940,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,664
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$72,862
−HK$2,233/mo
Today · 4.125%
HK$75,095
baseline
▲ 0.50% · 4.625%
HK$79,665
+HK$4,570/mo
Deposit HK$6.64M · loan HK$15.49M · min. income ≈ HK$150,190/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,613
−HK$4,247/mo
▼ 0.25% · 3.875%
HK$80,721
−HK$2,139/mo
Today · 4.125%
HK$82,860
baseline
▲ 0.50% · 4.625%
HK$87,228
+HK$4,368/mo
Deposit HK$6.64M · loan HK$15.49M · min. income ≈ HK$165,720/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,854
−HK$5,697/mo
▼ 0.25% · 3.875%
HK$93,680
−HK$2,871/mo
Today · 4.125%
HK$96,551
baseline
▲ 0.50% · 4.625%
HK$102,426
+HK$5,875/mo
Deposit HK$2.21M · loan HK$19.92M · min. income ≈ HK$193,102/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,074
−HK$5,460/mo
▼ 0.25% · 3.875%
HK$103,784
−HK$2,750/mo
Today · 4.125%
HK$106,534
baseline
▲ 0.50% · 4.625%
HK$112,150
+HK$5,616/mo
Deposit HK$2.21M · loan HK$19.92M · min. income ≈ HK$213,068/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,752 · Scale 2, in force from 26 Feb 2026)