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$49,916
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$51,469
−HK$1,577/mo
Today · 4.125%
HK$53,046
baseline
▲ 0.50% · 4.625%
HK$56,274
+HK$3,228/mo
Deposit HK$10.95M · loan HK$10.95M · min. income ≈ HK$106,092/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$930,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,531
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$57,021
−HK$1,511/mo
Today · 4.125%
HK$58,532
baseline
▲ 0.50% · 4.625%
HK$61,617
+HK$3,085/mo
Deposit HK$10.95M · loan HK$10.95M · min. income ≈ HK$117,064/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$930,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,900
−HK$3,756/mo
▼ 0.25% · 3.875%
HK$61,763
−HK$1,893/mo
Today · 4.125%
HK$63,656
baseline
▲ 0.50% · 4.625%
HK$67,529
+HK$3,873/mo
Deposit HK$8.76M · loan HK$13.13M · min. income ≈ HK$127,312/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$930,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,638
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$68,425
−HK$1,813/mo
Today · 4.125%
HK$70,238
baseline
▲ 0.50% · 4.625%
HK$73,940
+HK$3,702/mo
Deposit HK$8.76M · loan HK$13.13M · min. income ≈ HK$140,476/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$930,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,883
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$72,057
−HK$2,208/mo
Today · 4.125%
HK$74,265
baseline
▲ 0.50% · 4.625%
HK$78,784
+HK$4,519/mo
Deposit HK$6.57M · loan HK$15.32M · min. income ≈ HK$148,530/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$930,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,744
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$79,829
−HK$2,115/mo
Today · 4.125%
HK$81,944
baseline
▲ 0.50% · 4.625%
HK$86,264
+HK$4,320/mo
Deposit HK$6.57M · loan HK$15.32M · min. income ≈ HK$163,888/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$930,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,849
−HK$5,635/mo
▼ 0.25% · 3.875%
HK$92,644
−HK$2,840/mo
Today · 4.125%
HK$95,484
baseline
▲ 0.50% · 4.625%
HK$101,294
+HK$5,810/mo
Deposit HK$2.19M · loan HK$19.70M · min. income ≈ HK$190,968/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,957
−HK$5,400/mo
▼ 0.25% · 3.875%
HK$102,637
−HK$2,720/mo
Today · 4.125%
HK$105,357
baseline
▲ 0.50% · 4.625%
HK$110,910
+HK$5,553/mo
Deposit HK$2.19M · loan HK$19.70M · min. income ≈ HK$210,714/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$930,353 · Scale 2, in force from 26 Feb 2026)