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$50,048
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$51,604
−HK$1,582/mo
Today · 4.125%
HK$53,186
baseline
▲ 0.50% · 4.625%
HK$56,422
+HK$3,236/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$106,372/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$932,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,678
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$57,171
−HK$1,515/mo
Today · 4.125%
HK$58,686
baseline
▲ 0.50% · 4.625%
HK$61,779
+HK$3,093/mo
Deposit HK$10.97M · loan HK$10.97M · min. income ≈ HK$117,372/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$932,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,057
−HK$3,766/mo
▼ 0.25% · 3.875%
HK$61,925
−HK$1,898/mo
Today · 4.125%
HK$63,823
baseline
▲ 0.50% · 4.625%
HK$67,707
+HK$3,884/mo
Deposit HK$8.78M · loan HK$13.17M · min. income ≈ HK$127,646/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,813
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$68,605
−HK$1,818/mo
Today · 4.125%
HK$70,423
baseline
▲ 0.50% · 4.625%
HK$74,135
+HK$3,712/mo
Deposit HK$8.78M · loan HK$13.17M · min. income ≈ HK$140,846/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$932,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,067
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$72,246
−HK$2,215/mo
Today · 4.125%
HK$74,461
baseline
▲ 0.50% · 4.625%
HK$78,991
+HK$4,530/mo
Deposit HK$6.58M · loan HK$15.36M · min. income ≈ HK$148,922/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$932,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,949
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$80,039
−HK$2,121/mo
Today · 4.125%
HK$82,160
baseline
▲ 0.50% · 4.625%
HK$86,491
+HK$4,331/mo
Deposit HK$6.58M · loan HK$15.36M · min. income ≈ HK$164,320/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$932,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,086
−HK$5,649/mo
▼ 0.25% · 3.875%
HK$92,888
−HK$2,847/mo
Today · 4.125%
HK$95,735
baseline
▲ 0.50% · 4.625%
HK$101,560
+HK$5,825/mo
Deposit HK$2.19M · loan HK$19.75M · min. income ≈ HK$191,470/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,220
−HK$5,414/mo
▼ 0.25% · 3.875%
HK$102,907
−HK$2,727/mo
Today · 4.125%
HK$105,634
baseline
▲ 0.50% · 4.625%
HK$111,202
+HK$5,568/mo
Deposit HK$2.19M · loan HK$19.75M · min. income ≈ HK$211,268/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$932,802 · Scale 2, in force from 26 Feb 2026)