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$49,531
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$51,072
−HK$1,565/mo
Today · 4.125%
HK$52,637
baseline
▲ 0.50% · 4.625%
HK$55,840
+HK$3,203/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$105,274/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$922,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,103
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$56,581
−HK$1,499/mo
Today · 4.125%
HK$58,080
baseline
▲ 0.50% · 4.625%
HK$61,141
+HK$3,061/mo
Deposit HK$10.86M · loan HK$10.86M · min. income ≈ HK$116,160/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$922,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,437
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$61,286
−HK$1,879/mo
Today · 4.125%
HK$63,165
baseline
▲ 0.50% · 4.625%
HK$67,008
+HK$3,843/mo
Deposit HK$8.69M · loan HK$13.03M · min. income ≈ HK$126,330/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$922,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,123
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$67,897
−HK$1,799/mo
Today · 4.125%
HK$69,696
baseline
▲ 0.50% · 4.625%
HK$73,370
+HK$3,674/mo
Deposit HK$8.69M · loan HK$13.03M · min. income ≈ HK$139,392/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$922,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,344
−HK$4,348/mo
▼ 0.25% · 3.875%
HK$71,501
−HK$2,191/mo
Today · 4.125%
HK$73,692
baseline
▲ 0.50% · 4.625%
HK$78,176
+HK$4,484/mo
Deposit HK$6.52M · loan HK$15.21M · min. income ≈ HK$147,384/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$922,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,144
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$79,213
−HK$2,099/mo
Today · 4.125%
HK$81,312
baseline
▲ 0.50% · 4.625%
HK$85,598
+HK$4,286/mo
Deposit HK$6.52M · loan HK$15.21M · min. income ≈ HK$162,624/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$922,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,156
−HK$5,591/mo
▼ 0.25% · 3.875%
HK$91,929
−HK$2,818/mo
Today · 4.125%
HK$94,747
baseline
▲ 0.50% · 4.625%
HK$100,512
+HK$5,765/mo
Deposit HK$2.17M · loan HK$19.55M · min. income ≈ HK$189,494/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$922,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,185
−HK$5,359/mo
▼ 0.25% · 3.875%
HK$101,845
−HK$2,699/mo
Today · 4.125%
HK$104,544
baseline
▲ 0.50% · 4.625%
HK$110,055
+HK$5,511/mo
Deposit HK$2.17M · loan HK$19.55M · min. income ≈ HK$209,088/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$922,175 · Scale 2, in force from 26 Feb 2026)