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$49,822
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$51,372
−HK$1,574/mo
Today · 4.125%
HK$52,946
baseline
▲ 0.50% · 4.625%
HK$56,168
+HK$3,222/mo
Deposit HK$10.92M · loan HK$10.92M · min. income ≈ HK$105,892/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$928,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,426
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$56,913
−HK$1,508/mo
Today · 4.125%
HK$58,421
baseline
▲ 0.50% · 4.625%
HK$61,500
+HK$3,079/mo
Deposit HK$10.92M · loan HK$10.92M · min. income ≈ HK$116,842/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$928,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,786
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$61,646
−HK$1,889/mo
Today · 4.125%
HK$63,535
baseline
▲ 0.50% · 4.625%
HK$67,401
+HK$3,866/mo
Deposit HK$8.74M · loan HK$13.11M · min. income ≈ HK$127,070/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$928,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,512
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$68,295
−HK$1,810/mo
Today · 4.125%
HK$70,105
baseline
▲ 0.50% · 4.625%
HK$73,800
+HK$3,695/mo
Deposit HK$8.74M · loan HK$13.11M · min. income ≈ HK$140,210/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$928,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,751
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$71,920
−HK$2,205/mo
Today · 4.125%
HK$74,125
baseline
▲ 0.50% · 4.625%
HK$78,635
+HK$4,510/mo
Deposit HK$6.55M · loan HK$15.29M · min. income ≈ HK$148,250/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$928,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,597
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$79,678
−HK$2,111/mo
Today · 4.125%
HK$81,789
baseline
▲ 0.50% · 4.625%
HK$86,100
+HK$4,311/mo
Deposit HK$6.55M · loan HK$15.29M · min. income ≈ HK$163,578/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$928,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,679
−HK$5,624/mo
▼ 0.25% · 3.875%
HK$92,469
−HK$2,834/mo
Today · 4.125%
HK$95,303
baseline
▲ 0.50% · 4.625%
HK$101,102
+HK$5,799/mo
Deposit HK$2.18M · loan HK$19.66M · min. income ≈ HK$190,606/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,767
−HK$5,391/mo
▼ 0.25% · 3.875%
HK$102,443
−HK$2,715/mo
Today · 4.125%
HK$105,158
baseline
▲ 0.50% · 4.625%
HK$110,701
+HK$5,543/mo
Deposit HK$2.18M · loan HK$19.66M · min. income ≈ HK$210,316/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,594 · Scale 2, in force from 26 Feb 2026)