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$49,614
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$51,157
−HK$1,568/mo
Today · 4.125%
HK$52,725
baseline
▲ 0.50% · 4.625%
HK$55,933
+HK$3,208/mo
Deposit HK$10.88M · loan HK$10.88M · min. income ≈ HK$105,450/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$924,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,195
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$56,675
−HK$1,502/mo
Today · 4.125%
HK$58,177
baseline
▲ 0.50% · 4.625%
HK$61,243
+HK$3,066/mo
Deposit HK$10.88M · loan HK$10.88M · min. income ≈ HK$116,354/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$924,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,537
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$61,388
−HK$1,882/mo
Today · 4.125%
HK$63,270
baseline
▲ 0.50% · 4.625%
HK$67,120
+HK$3,850/mo
Deposit HK$8.70M · loan HK$13.05M · min. income ≈ HK$126,540/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$924,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,234
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$68,010
−HK$1,802/mo
Today · 4.125%
HK$69,812
baseline
▲ 0.50% · 4.625%
HK$73,492
+HK$3,680/mo
Deposit HK$8.70M · loan HK$13.05M · min. income ≈ HK$139,624/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$924,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,459
−HK$4,356/mo
▼ 0.25% · 3.875%
HK$71,620
−HK$2,195/mo
Today · 4.125%
HK$73,815
baseline
▲ 0.50% · 4.625%
HK$78,306
+HK$4,491/mo
Deposit HK$6.53M · loan HK$15.23M · min. income ≈ HK$147,630/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$924,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,273
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$79,345
−HK$2,103/mo
Today · 4.125%
HK$81,448
baseline
▲ 0.50% · 4.625%
HK$85,741
+HK$4,293/mo
Deposit HK$6.53M · loan HK$15.23M · min. income ≈ HK$162,896/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$924,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,305
−HK$5,600/mo
▼ 0.25% · 3.875%
HK$92,083
−HK$2,822/mo
Today · 4.125%
HK$94,905
baseline
▲ 0.50% · 4.625%
HK$100,680
+HK$5,775/mo
Deposit HK$2.18M · loan HK$19.58M · min. income ≈ HK$189,810/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$924,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,351
−HK$5,367/mo
▼ 0.25% · 3.875%
HK$102,015
−HK$2,703/mo
Today · 4.125%
HK$104,718
baseline
▲ 0.50% · 4.625%
HK$110,238
+HK$5,520/mo
Deposit HK$2.18M · loan HK$19.58M · min. income ≈ HK$209,436/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$924,715 · Scale 2, in force from 26 Feb 2026)