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$49,722
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$51,269
−HK$1,572/mo
Today · 4.125%
HK$52,841
baseline
▲ 0.50% · 4.625%
HK$56,056
+HK$3,215/mo
Deposit HK$10.90M · loan HK$10.90M · min. income ≈ HK$105,682/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$926,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,316
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$56,799
−HK$1,505/mo
Today · 4.125%
HK$58,304
baseline
▲ 0.50% · 4.625%
HK$61,378
+HK$3,074/mo
Deposit HK$10.90M · loan HK$10.90M · min. income ≈ HK$116,608/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$926,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,667
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$61,523
−HK$1,886/mo
Today · 4.125%
HK$63,409
baseline
▲ 0.50% · 4.625%
HK$67,267
+HK$3,858/mo
Deposit HK$8.72M · loan HK$13.08M · min. income ≈ HK$126,818/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$926,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,379
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$68,159
−HK$1,806/mo
Today · 4.125%
HK$69,965
baseline
▲ 0.50% · 4.625%
HK$73,653
+HK$3,688/mo
Deposit HK$8.72M · loan HK$13.08M · min. income ≈ HK$139,930/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$926,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,611
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$71,777
−HK$2,200/mo
Today · 4.125%
HK$73,977
baseline
▲ 0.50% · 4.625%
HK$78,478
+HK$4,501/mo
Deposit HK$6.54M · loan HK$15.26M · min. income ≈ HK$147,954/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$926,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,442
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$79,519
−HK$2,107/mo
Today · 4.125%
HK$81,626
baseline
▲ 0.50% · 4.625%
HK$85,929
+HK$4,303/mo
Deposit HK$6.54M · loan HK$15.26M · min. income ≈ HK$163,252/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$926,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,500
−HK$5,613/mo
▼ 0.25% · 3.875%
HK$92,284
−HK$2,829/mo
Today · 4.125%
HK$95,113
baseline
▲ 0.50% · 4.625%
HK$100,900
+HK$5,787/mo
Deposit HK$2.18M · loan HK$19.63M · min. income ≈ HK$190,226/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$926,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,568
−HK$5,380/mo
▼ 0.25% · 3.875%
HK$102,239
−HK$2,709/mo
Today · 4.125%
HK$104,948
baseline
▲ 0.50% · 4.625%
HK$110,480
+HK$5,532/mo
Deposit HK$2.18M · loan HK$19.63M · min. income ≈ HK$209,896/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$926,741 · Scale 2, in force from 26 Feb 2026)