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$48,982
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$50,506
−HK$1,548/mo
Today · 4.125%
HK$52,054
baseline
▲ 0.50% · 4.625%
HK$55,221
+HK$3,167/mo
Deposit HK$10.74M · loan HK$10.74M · min. income ≈ HK$104,108/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$898,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,492
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$55,953
−HK$1,483/mo
Today · 4.125%
HK$57,436
baseline
▲ 0.50% · 4.625%
HK$60,464
+HK$3,028/mo
Deposit HK$10.74M · loan HK$10.74M · min. income ≈ HK$114,872/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$898,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,778
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$60,607
−HK$1,857/mo
Today · 4.125%
HK$62,464
baseline
▲ 0.50% · 4.625%
HK$66,265
+HK$3,801/mo
Deposit HK$8.59M · loan HK$12.89M · min. income ≈ HK$124,928/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$898,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,390
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$67,144
−HK$1,779/mo
Today · 4.125%
HK$68,923
baseline
▲ 0.50% · 4.625%
HK$72,556
+HK$3,633/mo
Deposit HK$8.59M · loan HK$12.89M · min. income ≈ HK$137,846/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$898,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,575
−HK$4,300/mo
▼ 0.25% · 3.875%
HK$70,708
−HK$2,167/mo
Today · 4.125%
HK$72,875
baseline
▲ 0.50% · 4.625%
HK$77,309
+HK$4,434/mo
Deposit HK$6.44M · loan HK$15.04M · min. income ≈ HK$145,750/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$898,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,289
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$78,335
−HK$2,075/mo
Today · 4.125%
HK$80,410
baseline
▲ 0.50% · 4.625%
HK$84,649
+HK$4,239/mo
Deposit HK$6.44M · loan HK$15.04M · min. income ≈ HK$160,820/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$898,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,168
−HK$5,528/mo
▼ 0.25% · 3.875%
HK$90,910
−HK$2,786/mo
Today · 4.125%
HK$93,696
baseline
▲ 0.50% · 4.625%
HK$99,398
+HK$5,702/mo
Deposit HK$2.15M · loan HK$19.33M · min. income ≈ HK$187,392/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$898,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,086
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$100,716
−HK$2,669/mo
Today · 4.125%
HK$103,385
baseline
▲ 0.50% · 4.625%
HK$108,834
+HK$5,449/mo
Deposit HK$2.15M · loan HK$19.33M · min. income ≈ HK$206,770/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$898,092 · Scale 2, in force from 26 Feb 2026)