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$49,134
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$50,662
−HK$1,553/mo
Today · 4.125%
HK$52,215
baseline
▲ 0.50% · 4.625%
HK$55,392
+HK$3,177/mo
Deposit HK$10.77M · loan HK$10.77M · min. income ≈ HK$104,430/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$904,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,661
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$56,127
−HK$1,487/mo
Today · 4.125%
HK$57,614
baseline
▲ 0.50% · 4.625%
HK$60,651
+HK$3,037/mo
Deposit HK$10.77M · loan HK$10.77M · min. income ≈ HK$115,228/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$904,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,960
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$60,794
−HK$1,864/mo
Today · 4.125%
HK$62,658
baseline
▲ 0.50% · 4.625%
HK$66,470
+HK$3,812/mo
Deposit HK$8.62M · loan HK$12.93M · min. income ≈ HK$125,316/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$904,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,593
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$67,352
−HK$1,785/mo
Today · 4.125%
HK$69,137
baseline
▲ 0.50% · 4.625%
HK$72,781
+HK$3,644/mo
Deposit HK$8.62M · loan HK$12.93M · min. income ≈ HK$138,274/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$904,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,787
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$70,927
−HK$2,174/mo
Today · 4.125%
HK$73,101
baseline
▲ 0.50% · 4.625%
HK$77,549
+HK$4,448/mo
Deposit HK$6.46M · loan HK$15.08M · min. income ≈ HK$146,202/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$904,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,525
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$78,577
−HK$2,082/mo
Today · 4.125%
HK$80,659
baseline
▲ 0.50% · 4.625%
HK$84,911
+HK$4,252/mo
Deposit HK$6.46M · loan HK$15.08M · min. income ≈ HK$161,318/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$904,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,441
−HK$5,546/mo
▼ 0.25% · 3.875%
HK$91,192
−HK$2,795/mo
Today · 4.125%
HK$93,987
baseline
▲ 0.50% · 4.625%
HK$99,706
+HK$5,719/mo
Deposit HK$2.15M · loan HK$19.39M · min. income ≈ HK$187,974/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$904,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,389
−HK$5,316/mo
▼ 0.25% · 3.875%
HK$101,028
−HK$2,677/mo
Today · 4.125%
HK$103,705
baseline
▲ 0.50% · 4.625%
HK$109,171
+HK$5,466/mo
Deposit HK$2.15M · loan HK$19.39M · min. income ≈ HK$207,410/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$904,744 · Scale 2, in force from 26 Feb 2026)