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$49,838
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$51,388
−HK$1,575/mo
Today · 4.125%
HK$52,963
baseline
▲ 0.50% · 4.625%
HK$56,186
+HK$3,223/mo
Deposit HK$10.93M · loan HK$10.93M · min. income ≈ HK$105,926/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$928,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,444
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$56,931
−HK$1,509/mo
Today · 4.125%
HK$58,440
baseline
▲ 0.50% · 4.625%
HK$61,520
+HK$3,080/mo
Deposit HK$10.93M · loan HK$10.93M · min. income ≈ HK$116,880/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$928,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,806
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$61,666
−HK$1,890/mo
Today · 4.125%
HK$63,556
baseline
▲ 0.50% · 4.625%
HK$67,423
+HK$3,867/mo
Deposit HK$8.74M · loan HK$13.11M · min. income ≈ HK$127,112/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$928,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,533
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$68,318
−HK$1,810/mo
Today · 4.125%
HK$70,128
baseline
▲ 0.50% · 4.625%
HK$73,824
+HK$3,696/mo
Deposit HK$8.74M · loan HK$13.11M · min. income ≈ HK$140,256/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$928,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,773
−HK$4,376/mo
▼ 0.25% · 3.875%
HK$71,944
−HK$2,205/mo
Today · 4.125%
HK$74,149
baseline
▲ 0.50% · 4.625%
HK$78,660
+HK$4,511/mo
Deposit HK$6.56M · loan HK$15.30M · min. income ≈ HK$148,298/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$928,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,622
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$79,704
−HK$2,112/mo
Today · 4.125%
HK$81,816
baseline
▲ 0.50% · 4.625%
HK$86,128
+HK$4,312/mo
Deposit HK$6.56M · loan HK$15.30M · min. income ≈ HK$163,632/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$928,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,708
−HK$5,626/mo
▼ 0.25% · 3.875%
HK$92,499
−HK$2,835/mo
Today · 4.125%
HK$95,334
baseline
▲ 0.50% · 4.625%
HK$101,135
+HK$5,801/mo
Deposit HK$2.19M · loan HK$19.67M · min. income ≈ HK$190,668/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,800
−HK$5,392/mo
▼ 0.25% · 3.875%
HK$102,476
−HK$2,716/mo
Today · 4.125%
HK$105,192
baseline
▲ 0.50% · 4.625%
HK$110,736
+HK$5,544/mo
Deposit HK$2.19M · loan HK$19.67M · min. income ≈ HK$210,384/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$928,894 · Scale 2, in force from 26 Feb 2026)