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$49,496
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$51,036
−HK$1,564/mo
Today · 4.125%
HK$52,600
baseline
▲ 0.50% · 4.625%
HK$55,801
+HK$3,201/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$105,200/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$920,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,064
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$56,541
−HK$1,498/mo
Today · 4.125%
HK$58,039
baseline
▲ 0.50% · 4.625%
HK$61,098
+HK$3,059/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$116,078/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$920,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,395
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$61,243
−HK$1,877/mo
Today · 4.125%
HK$63,120
baseline
▲ 0.50% · 4.625%
HK$66,961
+HK$3,841/mo
Deposit HK$8.68M · loan HK$13.02M · min. income ≈ HK$126,240/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$920,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,077
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$67,849
−HK$1,798/mo
Today · 4.125%
HK$69,647
baseline
▲ 0.50% · 4.625%
HK$73,318
+HK$3,671/mo
Deposit HK$8.68M · loan HK$13.02M · min. income ≈ HK$139,294/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$920,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,295
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$71,450
−HK$2,190/mo
Today · 4.125%
HK$73,640
baseline
▲ 0.50% · 4.625%
HK$78,121
+HK$4,481/mo
Deposit HK$6.51M · loan HK$15.19M · min. income ≈ HK$147,280/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$920,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,090
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$79,157
−HK$2,098/mo
Today · 4.125%
HK$81,255
baseline
▲ 0.50% · 4.625%
HK$85,538
+HK$4,283/mo
Deposit HK$6.51M · loan HK$15.19M · min. income ≈ HK$162,510/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$920,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,093
−HK$5,587/mo
▼ 0.25% · 3.875%
HK$91,864
−HK$2,816/mo
Today · 4.125%
HK$94,680
baseline
▲ 0.50% · 4.625%
HK$100,441
+HK$5,761/mo
Deposit HK$2.17M · loan HK$19.54M · min. income ≈ HK$189,360/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$920,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,115
−HK$5,355/mo
▼ 0.25% · 3.875%
HK$101,773
−HK$2,697/mo
Today · 4.125%
HK$104,470
baseline
▲ 0.50% · 4.625%
HK$109,977
+HK$5,507/mo
Deposit HK$2.17M · loan HK$19.54M · min. income ≈ HK$208,940/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$920,641 · Scale 2, in force from 26 Feb 2026)