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$49,323
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$50,857
−HK$1,559/mo
Today · 4.125%
HK$52,416
baseline
▲ 0.50% · 4.625%
HK$55,605
+HK$3,189/mo
Deposit HK$10.82M · loan HK$10.82M · min. income ≈ HK$104,832/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$913,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,871
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$56,343
−HK$1,492/mo
Today · 4.125%
HK$57,835
baseline
▲ 0.50% · 4.625%
HK$60,884
+HK$3,049/mo
Deposit HK$10.82M · loan HK$10.82M · min. income ≈ HK$115,670/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$913,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,187
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$61,028
−HK$1,871/mo
Today · 4.125%
HK$62,899
baseline
▲ 0.50% · 4.625%
HK$66,726
+HK$3,827/mo
Deposit HK$8.65M · loan HK$12.98M · min. income ≈ HK$125,798/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$913,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,845
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$67,611
−HK$1,792/mo
Today · 4.125%
HK$69,403
baseline
▲ 0.50% · 4.625%
HK$73,061
+HK$3,658/mo
Deposit HK$8.65M · loan HK$12.98M · min. income ≈ HK$138,806/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$913,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,052
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$71,200
−HK$2,182/mo
Today · 4.125%
HK$73,382
baseline
▲ 0.50% · 4.625%
HK$77,847
+HK$4,465/mo
Deposit HK$6.49M · loan HK$15.14M · min. income ≈ HK$146,764/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$913,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,819
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$78,880
−HK$2,090/mo
Today · 4.125%
HK$80,970
baseline
▲ 0.50% · 4.625%
HK$85,238
+HK$4,268/mo
Deposit HK$6.49M · loan HK$15.14M · min. income ≈ HK$161,940/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$913,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,781
−HK$5,567/mo
▼ 0.25% · 3.875%
HK$91,542
−HK$2,806/mo
Today · 4.125%
HK$94,348
baseline
▲ 0.50% · 4.625%
HK$100,089
+HK$5,741/mo
Deposit HK$2.16M · loan HK$19.47M · min. income ≈ HK$188,696/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$913,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,768
−HK$5,336/mo
▼ 0.25% · 3.875%
HK$101,417
−HK$2,687/mo
Today · 4.125%
HK$104,104
baseline
▲ 0.50% · 4.625%
HK$109,591
+HK$5,487/mo
Deposit HK$2.16M · loan HK$19.47M · min. income ≈ HK$208,208/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$913,030 · Scale 2, in force from 26 Feb 2026)