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$49,986
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$51,541
−HK$1,579/mo
Today · 4.125%
HK$53,120
baseline
▲ 0.50% · 4.625%
HK$56,353
+HK$3,233/mo
Deposit HK$10.96M · loan HK$10.96M · min. income ≈ HK$106,240/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$931,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,609
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$57,100
−HK$1,513/mo
Today · 4.125%
HK$58,613
baseline
▲ 0.50% · 4.625%
HK$61,703
+HK$3,090/mo
Deposit HK$10.96M · loan HK$10.96M · min. income ≈ HK$117,226/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$931,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,983
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$61,849
−HK$1,896/mo
Today · 4.125%
HK$63,745
baseline
▲ 0.50% · 4.625%
HK$67,623
+HK$3,878/mo
Deposit HK$8.77M · loan HK$13.15M · min. income ≈ HK$127,490/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$931,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,731
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$68,520
−HK$1,816/mo
Today · 4.125%
HK$70,336
baseline
▲ 0.50% · 4.625%
HK$74,043
+HK$3,707/mo
Deposit HK$8.77M · loan HK$13.15M · min. income ≈ HK$140,672/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$931,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,980
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$72,157
−HK$2,212/mo
Today · 4.125%
HK$74,369
baseline
▲ 0.50% · 4.625%
HK$78,894
+HK$4,525/mo
Deposit HK$6.58M · loan HK$15.34M · min. income ≈ HK$148,738/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$931,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,852
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$79,940
−HK$2,118/mo
Today · 4.125%
HK$82,058
baseline
▲ 0.50% · 4.625%
HK$86,384
+HK$4,326/mo
Deposit HK$6.58M · loan HK$15.34M · min. income ≈ HK$164,116/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$931,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,975
−HK$5,642/mo
▼ 0.25% · 3.875%
HK$92,773
−HK$2,844/mo
Today · 4.125%
HK$95,617
baseline
▲ 0.50% · 4.625%
HK$101,435
+HK$5,818/mo
Deposit HK$2.19M · loan HK$19.73M · min. income ≈ HK$191,234/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,096
−HK$5,408/mo
▼ 0.25% · 3.875%
HK$102,780
−HK$2,724/mo
Today · 4.125%
HK$105,504
baseline
▲ 0.50% · 4.625%
HK$111,065
+HK$5,561/mo
Deposit HK$2.19M · loan HK$19.73M · min. income ≈ HK$211,008/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,650 · Scale 2, in force from 26 Feb 2026)