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$49,511
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$51,051
−HK$1,564/mo
Today · 4.125%
HK$52,615
baseline
▲ 0.50% · 4.625%
HK$55,817
+HK$3,202/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$105,230/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$921,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,080
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$56,557
−HK$1,499/mo
Today · 4.125%
HK$58,056
baseline
▲ 0.50% · 4.625%
HK$61,116
+HK$3,060/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$116,112/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$921,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,413
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$61,261
−HK$1,877/mo
Today · 4.125%
HK$63,138
baseline
▲ 0.50% · 4.625%
HK$66,980
+HK$3,842/mo
Deposit HK$8.69M · loan HK$13.03M · min. income ≈ HK$126,276/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$921,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,096
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$67,869
−HK$1,798/mo
Today · 4.125%
HK$69,667
baseline
▲ 0.50% · 4.625%
HK$73,339
+HK$3,672/mo
Deposit HK$8.69M · loan HK$13.03M · min. income ≈ HK$139,334/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$921,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,315
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$71,471
−HK$2,191/mo
Today · 4.125%
HK$73,662
baseline
▲ 0.50% · 4.625%
HK$78,144
+HK$4,482/mo
Deposit HK$6.51M · loan HK$15.20M · min. income ≈ HK$147,324/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$921,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,112
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$79,180
−HK$2,098/mo
Today · 4.125%
HK$81,278
baseline
▲ 0.50% · 4.625%
HK$85,563
+HK$4,285/mo
Deposit HK$6.51M · loan HK$15.20M · min. income ≈ HK$162,556/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$921,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,119
−HK$5,589/mo
▼ 0.25% · 3.875%
HK$91,891
−HK$2,817/mo
Today · 4.125%
HK$94,708
baseline
▲ 0.50% · 4.625%
HK$100,470
+HK$5,762/mo
Deposit HK$2.17M · loan HK$19.54M · min. income ≈ HK$189,416/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$921,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,144
−HK$5,357/mo
▼ 0.25% · 3.875%
HK$101,803
−HK$2,698/mo
Today · 4.125%
HK$104,501
baseline
▲ 0.50% · 4.625%
HK$110,009
+HK$5,508/mo
Deposit HK$2.17M · loan HK$19.54M · min. income ≈ HK$209,002/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$921,275 · Scale 2, in force from 26 Feb 2026)