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$49,703
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$51,249
−HK$1,571/mo
Today · 4.125%
HK$52,820
baseline
▲ 0.50% · 4.625%
HK$56,034
+HK$3,214/mo
Deposit HK$10.90M · loan HK$10.90M · min. income ≈ HK$105,640/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$926,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,294
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$56,777
−HK$1,505/mo
Today · 4.125%
HK$58,282
baseline
▲ 0.50% · 4.625%
HK$61,354
+HK$3,072/mo
Deposit HK$10.90M · loan HK$10.90M · min. income ≈ HK$116,564/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$926,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,644
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$61,499
−HK$1,885/mo
Today · 4.125%
HK$63,384
baseline
▲ 0.50% · 4.625%
HK$67,241
+HK$3,857/mo
Deposit HK$8.72M · loan HK$13.08M · min. income ≈ HK$126,768/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$926,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,353
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$68,133
−HK$1,805/mo
Today · 4.125%
HK$69,938
baseline
▲ 0.50% · 4.625%
HK$73,624
+HK$3,686/mo
Deposit HK$8.72M · loan HK$13.08M · min. income ≈ HK$139,876/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$926,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,584
−HK$4,364/mo
▼ 0.25% · 3.875%
HK$71,749
−HK$2,199/mo
Today · 4.125%
HK$73,948
baseline
▲ 0.50% · 4.625%
HK$78,448
+HK$4,500/mo
Deposit HK$6.54M · loan HK$15.26M · min. income ≈ HK$147,896/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$926,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,412
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$79,488
−HK$2,106/mo
Today · 4.125%
HK$81,594
baseline
▲ 0.50% · 4.625%
HK$85,895
+HK$4,301/mo
Deposit HK$6.54M · loan HK$15.26M · min. income ≈ HK$163,188/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$926,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,466
−HK$5,610/mo
▼ 0.25% · 3.875%
HK$92,249
−HK$2,827/mo
Today · 4.125%
HK$95,076
baseline
▲ 0.50% · 4.625%
HK$100,861
+HK$5,785/mo
Deposit HK$2.18M · loan HK$19.62M · min. income ≈ HK$190,152/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$926,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,530
−HK$5,377/mo
▼ 0.25% · 3.875%
HK$102,199
−HK$2,708/mo
Today · 4.125%
HK$104,907
baseline
▲ 0.50% · 4.625%
HK$110,437
+HK$5,530/mo
Deposit HK$2.18M · loan HK$19.62M · min. income ≈ HK$209,814/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$926,380 · Scale 2, in force from 26 Feb 2026)