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$50,463
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$52,032
−HK$1,595/mo
Today · 4.125%
HK$53,627
baseline
▲ 0.50% · 4.625%
HK$56,890
+HK$3,263/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$107,254/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$940,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,139
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$57,645
−HK$1,527/mo
Today · 4.125%
HK$59,172
baseline
▲ 0.50% · 4.625%
HK$62,291
+HK$3,119/mo
Deposit HK$11.07M · loan HK$11.07M · min. income ≈ HK$118,344/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$940,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,555
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$62,439
−HK$1,913/mo
Today · 4.125%
HK$64,352
baseline
▲ 0.50% · 4.625%
HK$68,268
+HK$3,916/mo
Deposit HK$8.85M · loan HK$13.28M · min. income ≈ HK$128,704/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$940,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,367
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$69,174
−HK$1,833/mo
Today · 4.125%
HK$71,007
baseline
▲ 0.50% · 4.625%
HK$74,749
+HK$3,742/mo
Deposit HK$8.85M · loan HK$13.28M · min. income ≈ HK$142,014/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$940,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,648
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$72,845
−HK$2,233/mo
Today · 4.125%
HK$75,078
baseline
▲ 0.50% · 4.625%
HK$79,646
+HK$4,568/mo
Deposit HK$6.64M · loan HK$15.49M · min. income ≈ HK$150,156/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,595
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$80,703
−HK$2,138/mo
Today · 4.125%
HK$82,841
baseline
▲ 0.50% · 4.625%
HK$87,208
+HK$4,367/mo
Deposit HK$6.64M · loan HK$15.49M · min. income ≈ HK$165,682/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$940,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,833
−HK$5,696/mo
▼ 0.25% · 3.875%
HK$93,658
−HK$2,871/mo
Today · 4.125%
HK$96,529
baseline
▲ 0.50% · 4.625%
HK$102,402
+HK$5,873/mo
Deposit HK$2.21M · loan HK$19.92M · min. income ≈ HK$193,058/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,050
−HK$5,460/mo
▼ 0.25% · 3.875%
HK$103,761
−HK$2,749/mo
Today · 4.125%
HK$106,510
baseline
▲ 0.50% · 4.625%
HK$112,124
+HK$5,614/mo
Deposit HK$2.21M · loan HK$19.92M · min. income ≈ HK$213,020/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$940,535 · Scale 2, in force from 26 Feb 2026)