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$49,475
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$51,014
−HK$1,564/mo
Today · 4.125%
HK$52,578
baseline
▲ 0.50% · 4.625%
HK$55,777
+HK$3,199/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$105,156/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$919,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,041
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$56,517
−HK$1,498/mo
Today · 4.125%
HK$58,015
baseline
▲ 0.50% · 4.625%
HK$61,073
+HK$3,058/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$116,030/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$919,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,370
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$61,217
−HK$1,877/mo
Today · 4.125%
HK$63,094
baseline
▲ 0.50% · 4.625%
HK$66,933
+HK$3,839/mo
Deposit HK$8.68M · loan HK$13.02M · min. income ≈ HK$126,188/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$919,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,049
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$67,820
−HK$1,797/mo
Today · 4.125%
HK$69,617
baseline
▲ 0.50% · 4.625%
HK$73,287
+HK$3,670/mo
Deposit HK$8.68M · loan HK$13.02M · min. income ≈ HK$139,234/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$919,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,266
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$71,420
−HK$2,189/mo
Today · 4.125%
HK$73,609
baseline
▲ 0.50% · 4.625%
HK$78,088
+HK$4,479/mo
Deposit HK$6.51M · loan HK$15.19M · min. income ≈ HK$147,218/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$919,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,057
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$79,124
−HK$2,096/mo
Today · 4.125%
HK$81,220
baseline
▲ 0.50% · 4.625%
HK$85,502
+HK$4,282/mo
Deposit HK$6.51M · loan HK$15.19M · min. income ≈ HK$162,440/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$919,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,056
−HK$5,584/mo
▼ 0.25% · 3.875%
HK$91,826
−HK$2,814/mo
Today · 4.125%
HK$94,640
baseline
▲ 0.50% · 4.625%
HK$100,399
+HK$5,759/mo
Deposit HK$2.17M · loan HK$19.53M · min. income ≈ HK$189,280/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$919,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,074
−HK$5,352/mo
▼ 0.25% · 3.875%
HK$101,731
−HK$2,695/mo
Today · 4.125%
HK$104,426
baseline
▲ 0.50% · 4.625%
HK$109,931
+HK$5,505/mo
Deposit HK$2.17M · loan HK$19.53M · min. income ≈ HK$208,852/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$919,730 · Scale 2, in force from 26 Feb 2026)