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$49,597
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$51,139
−HK$1,568/mo
Today · 4.125%
HK$52,707
baseline
▲ 0.50% · 4.625%
HK$55,914
+HK$3,207/mo
Deposit HK$10.88M · loan HK$10.88M · min. income ≈ HK$105,414/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$924,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,176
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$56,655
−HK$1,502/mo
Today · 4.125%
HK$58,157
baseline
▲ 0.50% · 4.625%
HK$61,222
+HK$3,065/mo
Deposit HK$10.88M · loan HK$10.88M · min. income ≈ HK$116,314/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$924,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,516
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$61,367
−HK$1,881/mo
Today · 4.125%
HK$63,248
baseline
▲ 0.50% · 4.625%
HK$67,097
+HK$3,849/mo
Deposit HK$8.70M · loan HK$13.05M · min. income ≈ HK$126,496/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$924,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,211
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$67,987
−HK$1,801/mo
Today · 4.125%
HK$69,788
baseline
▲ 0.50% · 4.625%
HK$73,467
+HK$3,679/mo
Deposit HK$8.70M · loan HK$13.05M · min. income ≈ HK$139,576/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$924,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,435
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$71,595
−HK$2,194/mo
Today · 4.125%
HK$73,789
baseline
▲ 0.50% · 4.625%
HK$78,279
+HK$4,490/mo
Deposit HK$6.53M · loan HK$15.23M · min. income ≈ HK$147,578/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$924,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,246
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$79,318
−HK$2,101/mo
Today · 4.125%
HK$81,419
baseline
▲ 0.50% · 4.625%
HK$85,711
+HK$4,292/mo
Deposit HK$6.53M · loan HK$15.23M · min. income ≈ HK$162,838/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$924,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,274
−HK$5,598/mo
▼ 0.25% · 3.875%
HK$92,051
−HK$2,821/mo
Today · 4.125%
HK$94,872
baseline
▲ 0.50% · 4.625%
HK$100,645
+HK$5,773/mo
Deposit HK$2.18M · loan HK$19.58M · min. income ≈ HK$189,744/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$924,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,316
−HK$5,366/mo
▼ 0.25% · 3.875%
HK$101,980
−HK$2,702/mo
Today · 4.125%
HK$104,682
baseline
▲ 0.50% · 4.625%
HK$110,200
+HK$5,518/mo
Deposit HK$2.18M · loan HK$19.58M · min. income ≈ HK$209,364/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$924,394 · Scale 2, in force from 26 Feb 2026)