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$50,239
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$51,801
−HK$1,588/mo
Today · 4.125%
HK$53,389
baseline
▲ 0.50% · 4.625%
HK$56,638
+HK$3,249/mo
Deposit HK$11.02M · loan HK$11.02M · min. income ≈ HK$106,778/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$936,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,890
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$57,389
−HK$1,520/mo
Today · 4.125%
HK$58,909
baseline
▲ 0.50% · 4.625%
HK$62,015
+HK$3,106/mo
Deposit HK$11.02M · loan HK$11.02M · min. income ≈ HK$117,818/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$936,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,286
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$62,161
−HK$1,906/mo
Today · 4.125%
HK$64,067
baseline
▲ 0.50% · 4.625%
HK$67,965
+HK$3,898/mo
Deposit HK$8.81M · loan HK$13.22M · min. income ≈ HK$128,134/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,068
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$68,867
−HK$1,824/mo
Today · 4.125%
HK$70,691
baseline
▲ 0.50% · 4.625%
HK$74,418
+HK$3,727/mo
Deposit HK$8.81M · loan HK$13.22M · min. income ≈ HK$141,382/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$936,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,334
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$72,522
−HK$2,222/mo
Today · 4.125%
HK$74,744
baseline
▲ 0.50% · 4.625%
HK$79,293
+HK$4,549/mo
Deposit HK$6.61M · loan HK$15.42M · min. income ≈ HK$149,488/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$936,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,246
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$80,344
−HK$2,129/mo
Today · 4.125%
HK$82,473
baseline
▲ 0.50% · 4.625%
HK$86,820
+HK$4,347/mo
Deposit HK$6.61M · loan HK$15.42M · min. income ≈ HK$164,946/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$936,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,429
−HK$5,671/mo
▼ 0.25% · 3.875%
HK$93,242
−HK$2,858/mo
Today · 4.125%
HK$96,100
baseline
▲ 0.50% · 4.625%
HK$101,948
+HK$5,848/mo
Deposit HK$2.20M · loan HK$19.83M · min. income ≈ HK$192,200/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,602
−HK$5,435/mo
▼ 0.25% · 3.875%
HK$103,300
−HK$2,737/mo
Today · 4.125%
HK$106,037
baseline
▲ 0.50% · 4.625%
HK$111,626
+HK$5,589/mo
Deposit HK$2.20M · loan HK$19.83M · min. income ≈ HK$212,074/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$936,359 · Scale 2, in force from 26 Feb 2026)