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$49,954
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$51,508
−HK$1,579/mo
Today · 4.125%
HK$53,087
baseline
▲ 0.50% · 4.625%
HK$56,317
+HK$3,230/mo
Deposit HK$10.95M · loan HK$10.95M · min. income ≈ HK$106,174/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$931,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,573
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$57,064
−HK$1,512/mo
Today · 4.125%
HK$58,576
baseline
▲ 0.50% · 4.625%
HK$61,664
+HK$3,088/mo
Deposit HK$10.95M · loan HK$10.95M · min. income ≈ HK$117,152/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$931,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,945
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$61,810
−HK$1,894/mo
Today · 4.125%
HK$63,704
baseline
▲ 0.50% · 4.625%
HK$67,580
+HK$3,876/mo
Deposit HK$8.76M · loan HK$13.14M · min. income ≈ HK$127,408/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$931,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,688
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$68,477
−HK$1,814/mo
Today · 4.125%
HK$70,291
baseline
▲ 0.50% · 4.625%
HK$73,996
+HK$3,705/mo
Deposit HK$8.76M · loan HK$13.14M · min. income ≈ HK$140,582/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$931,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,936
−HK$4,385/mo
▼ 0.25% · 3.875%
HK$72,111
−HK$2,210/mo
Today · 4.125%
HK$74,321
baseline
▲ 0.50% · 4.625%
HK$78,844
+HK$4,523/mo
Deposit HK$6.57M · loan HK$15.34M · min. income ≈ HK$148,642/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$931,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,803
−HK$4,203/mo
▼ 0.25% · 3.875%
HK$79,889
−HK$2,117/mo
Today · 4.125%
HK$82,006
baseline
▲ 0.50% · 4.625%
HK$86,329
+HK$4,323/mo
Deposit HK$6.57M · loan HK$15.34M · min. income ≈ HK$164,012/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$931,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,917
−HK$5,639/mo
▼ 0.25% · 3.875%
HK$92,714
−HK$2,842/mo
Today · 4.125%
HK$95,556
baseline
▲ 0.50% · 4.625%
HK$101,370
+HK$5,814/mo
Deposit HK$2.19M · loan HK$19.72M · min. income ≈ HK$191,112/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,032
−HK$5,405/mo
▼ 0.25% · 3.875%
HK$102,715
−HK$2,722/mo
Today · 4.125%
HK$105,437
baseline
▲ 0.50% · 4.625%
HK$110,994
+HK$5,557/mo
Deposit HK$2.19M · loan HK$19.72M · min. income ≈ HK$210,874/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$931,058 · Scale 2, in force from 26 Feb 2026)