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$49,535
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$51,076
−HK$1,565/mo
Today · 4.125%
HK$52,641
baseline
▲ 0.50% · 4.625%
HK$55,844
+HK$3,203/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$105,282/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$922,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,107
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$56,585
−HK$1,499/mo
Today · 4.125%
HK$58,084
baseline
▲ 0.50% · 4.625%
HK$61,146
+HK$3,062/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$116,168/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$922,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,442
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$61,291
−HK$1,878/mo
Today · 4.125%
HK$63,169
baseline
▲ 0.50% · 4.625%
HK$67,013
+HK$3,844/mo
Deposit HK$8.69M · loan HK$13.03M · min. income ≈ HK$126,338/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$922,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,129
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$67,902
−HK$1,799/mo
Today · 4.125%
HK$69,701
baseline
▲ 0.50% · 4.625%
HK$73,375
+HK$3,674/mo
Deposit HK$8.69M · loan HK$13.03M · min. income ≈ HK$139,402/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$922,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,349
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$71,506
−HK$2,192/mo
Today · 4.125%
HK$73,698
baseline
▲ 0.50% · 4.625%
HK$78,182
+HK$4,484/mo
Deposit HK$6.52M · loan HK$15.21M · min. income ≈ HK$147,396/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$922,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,150
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$79,219
−HK$2,099/mo
Today · 4.125%
HK$81,318
baseline
▲ 0.50% · 4.625%
HK$85,604
+HK$4,286/mo
Deposit HK$6.52M · loan HK$15.21M · min. income ≈ HK$162,636/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$922,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,163
−HK$5,591/mo
▼ 0.25% · 3.875%
HK$91,936
−HK$2,818/mo
Today · 4.125%
HK$94,754
baseline
▲ 0.50% · 4.625%
HK$100,520
+HK$5,766/mo
Deposit HK$2.17M · loan HK$19.55M · min. income ≈ HK$189,508/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$922,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,193
−HK$5,359/mo
▼ 0.25% · 3.875%
HK$101,853
−HK$2,699/mo
Today · 4.125%
HK$104,552
baseline
▲ 0.50% · 4.625%
HK$110,063
+HK$5,511/mo
Deposit HK$2.17M · loan HK$19.55M · min. income ≈ HK$209,104/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$922,340 · Scale 2, in force from 26 Feb 2026)