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$48,514
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$50,023
−HK$1,533/mo
Today · 4.125%
HK$51,556
baseline
▲ 0.50% · 4.625%
HK$54,693
+HK$3,137/mo
Deposit HK$10.64M · loan HK$10.64M · min. income ≈ HK$103,112/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$877,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,971
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$55,419
−HK$1,468/mo
Today · 4.125%
HK$56,887
baseline
▲ 0.50% · 4.625%
HK$59,886
+HK$2,999/mo
Deposit HK$10.64M · loan HK$10.64M · min. income ≈ HK$113,774/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$877,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,217
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$60,028
−HK$1,839/mo
Today · 4.125%
HK$61,867
baseline
▲ 0.50% · 4.625%
HK$65,632
+HK$3,765/mo
Deposit HK$8.51M · loan HK$12.77M · min. income ≈ HK$123,734/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$877,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,765
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$66,502
−HK$1,763/mo
Today · 4.125%
HK$68,265
baseline
▲ 0.50% · 4.625%
HK$71,863
+HK$3,598/mo
Deposit HK$8.51M · loan HK$12.77M · min. income ≈ HK$136,530/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$877,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,919
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$70,032
−HK$2,147/mo
Today · 4.125%
HK$72,179
baseline
▲ 0.50% · 4.625%
HK$76,570
+HK$4,391/mo
Deposit HK$6.38M · loan HK$14.89M · min. income ≈ HK$144,358/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$877,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,560
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$77,586
−HK$2,056/mo
Today · 4.125%
HK$79,642
baseline
▲ 0.50% · 4.625%
HK$83,840
+HK$4,198/mo
Deposit HK$6.38M · loan HK$14.89M · min. income ≈ HK$159,284/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$877,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,325
−HK$5,476/mo
▼ 0.25% · 3.875%
HK$90,041
−HK$2,760/mo
Today · 4.125%
HK$92,801
baseline
▲ 0.50% · 4.625%
HK$98,448
+HK$5,647/mo
Deposit HK$2.13M · loan HK$19.15M · min. income ≈ HK$185,602/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$877,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,148
−HK$5,249/mo
▼ 0.25% · 3.875%
HK$99,754
−HK$2,643/mo
Today · 4.125%
HK$102,397
baseline
▲ 0.50% · 4.625%
HK$107,794
+HK$5,397/mo
Deposit HK$2.13M · loan HK$19.15M · min. income ≈ HK$204,794/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$877,563 · Scale 2, in force from 26 Feb 2026)