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$50,041
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$51,598
−HK$1,581/mo
Today · 4.125%
HK$53,179
baseline
▲ 0.50% · 4.625%
HK$56,415
+HK$3,236/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$106,358/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$932,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,671
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$57,164
−HK$1,514/mo
Today · 4.125%
HK$58,678
baseline
▲ 0.50% · 4.625%
HK$61,771
+HK$3,093/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$117,356/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$932,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,050
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$61,918
−HK$1,897/mo
Today · 4.125%
HK$63,815
baseline
▲ 0.50% · 4.625%
HK$67,698
+HK$3,883/mo
Deposit HK$8.78M · loan HK$13.17M · min. income ≈ HK$127,630/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,805
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$68,596
−HK$1,818/mo
Today · 4.125%
HK$70,414
baseline
▲ 0.50% · 4.625%
HK$74,126
+HK$3,712/mo
Deposit HK$8.78M · loan HK$13.17M · min. income ≈ HK$140,828/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,058
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$72,237
−HK$2,214/mo
Today · 4.125%
HK$74,451
baseline
▲ 0.50% · 4.625%
HK$78,981
+HK$4,530/mo
Deposit HK$6.58M · loan HK$15.36M · min. income ≈ HK$148,902/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$932,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,939
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$80,029
−HK$2,121/mo
Today · 4.125%
HK$82,150
baseline
▲ 0.50% · 4.625%
HK$86,480
+HK$4,330/mo
Deposit HK$6.58M · loan HK$15.36M · min. income ≈ HK$164,300/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$932,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,074
−HK$5,649/mo
▼ 0.25% · 3.875%
HK$92,876
−HK$2,847/mo
Today · 4.125%
HK$95,723
baseline
▲ 0.50% · 4.625%
HK$101,547
+HK$5,824/mo
Deposit HK$2.19M · loan HK$19.75M · min. income ≈ HK$191,446/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,207
−HK$5,414/mo
▼ 0.25% · 3.875%
HK$102,894
−HK$2,727/mo
Today · 4.125%
HK$105,621
baseline
▲ 0.50% · 4.625%
HK$111,188
+HK$5,567/mo
Deposit HK$2.19M · loan HK$19.75M · min. income ≈ HK$211,242/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,685 · Scale 2, in force from 26 Feb 2026)