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$49,776
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$51,324
−HK$1,573/mo
Today · 4.125%
HK$52,897
baseline
▲ 0.50% · 4.625%
HK$56,116
+HK$3,219/mo
Deposit HK$10.91M · loan HK$10.91M · min. income ≈ HK$105,794/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$927,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,375
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$56,860
−HK$1,507/mo
Today · 4.125%
HK$58,367
baseline
▲ 0.50% · 4.625%
HK$61,443
+HK$3,076/mo
Deposit HK$10.91M · loan HK$10.91M · min. income ≈ HK$116,734/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$927,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,731
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$61,589
−HK$1,887/mo
Today · 4.125%
HK$63,476
baseline
▲ 0.50% · 4.625%
HK$67,339
+HK$3,863/mo
Deposit HK$8.73M · loan HK$13.10M · min. income ≈ HK$126,952/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$927,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,450
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$68,232
−HK$1,808/mo
Today · 4.125%
HK$70,040
baseline
▲ 0.50% · 4.625%
HK$73,732
+HK$3,692/mo
Deposit HK$8.73M · loan HK$13.10M · min. income ≈ HK$140,080/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$927,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,686
−HK$4,370/mo
▼ 0.25% · 3.875%
HK$71,854
−HK$2,202/mo
Today · 4.125%
HK$74,056
baseline
▲ 0.50% · 4.625%
HK$78,562
+HK$4,506/mo
Deposit HK$6.55M · loan HK$15.28M · min. income ≈ HK$148,112/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$927,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,525
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$79,604
−HK$2,109/mo
Today · 4.125%
HK$81,713
baseline
▲ 0.50% · 4.625%
HK$86,021
+HK$4,308/mo
Deposit HK$6.55M · loan HK$15.28M · min. income ≈ HK$163,426/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$927,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,596
−HK$5,619/mo
▼ 0.25% · 3.875%
HK$92,383
−HK$2,832/mo
Today · 4.125%
HK$95,215
baseline
▲ 0.50% · 4.625%
HK$101,008
+HK$5,793/mo
Deposit HK$2.18M · loan HK$19.65M · min. income ≈ HK$190,430/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$927,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,675
−HK$5,385/mo
▼ 0.25% · 3.875%
HK$102,348
−HK$2,712/mo
Today · 4.125%
HK$105,060
baseline
▲ 0.50% · 4.625%
HK$110,598
+HK$5,538/mo
Deposit HK$2.18M · loan HK$19.65M · min. income ≈ HK$210,120/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$927,732 · Scale 2, in force from 26 Feb 2026)