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$49,987
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$51,541
−HK$1,580/mo
Today · 4.125%
HK$53,121
baseline
▲ 0.50% · 4.625%
HK$56,353
+HK$3,232/mo
Deposit HK$10.96M · loan HK$10.96M · min. income ≈ HK$106,242/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$931,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,610
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$57,101
−HK$1,513/mo
Today · 4.125%
HK$58,614
baseline
▲ 0.50% · 4.625%
HK$61,704
+HK$3,090/mo
Deposit HK$10.96M · loan HK$10.96M · min. income ≈ HK$117,228/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$931,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,984
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$61,850
−HK$1,895/mo
Today · 4.125%
HK$63,745
baseline
▲ 0.50% · 4.625%
HK$67,624
+HK$3,879/mo
Deposit HK$8.77M · loan HK$13.15M · min. income ≈ HK$127,490/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$931,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,731
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$68,521
−HK$1,816/mo
Today · 4.125%
HK$70,337
baseline
▲ 0.50% · 4.625%
HK$74,044
+HK$3,707/mo
Deposit HK$8.77M · loan HK$13.15M · min. income ≈ HK$140,674/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$931,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,981
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$72,158
−HK$2,212/mo
Today · 4.125%
HK$74,370
baseline
▲ 0.50% · 4.625%
HK$78,895
+HK$4,525/mo
Deposit HK$6.58M · loan HK$15.35M · min. income ≈ HK$148,740/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$931,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,853
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$79,941
−HK$2,118/mo
Today · 4.125%
HK$82,059
baseline
▲ 0.50% · 4.625%
HK$86,385
+HK$4,326/mo
Deposit HK$6.58M · loan HK$15.35M · min. income ≈ HK$164,118/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$931,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,976
−HK$5,642/mo
▼ 0.25% · 3.875%
HK$92,775
−HK$2,843/mo
Today · 4.125%
HK$95,618
baseline
▲ 0.50% · 4.625%
HK$101,436
+HK$5,818/mo
Deposit HK$2.19M · loan HK$19.73M · min. income ≈ HK$191,236/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,097
−HK$5,408/mo
▼ 0.25% · 3.875%
HK$102,782
−HK$2,723/mo
Today · 4.125%
HK$105,505
baseline
▲ 0.50% · 4.625%
HK$111,066
+HK$5,561/mo
Deposit HK$2.19M · loan HK$19.73M · min. income ≈ HK$211,010/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,662 · Scale 2, in force from 26 Feb 2026)