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$49,195
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$50,725
−HK$1,555/mo
Today · 4.125%
HK$52,280
baseline
▲ 0.50% · 4.625%
HK$55,461
+HK$3,181/mo
Deposit HK$10.79M · loan HK$10.79M · min. income ≈ HK$104,560/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$907,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,729
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$56,196
−HK$1,489/mo
Today · 4.125%
HK$57,685
baseline
▲ 0.50% · 4.625%
HK$60,726
+HK$3,041/mo
Deposit HK$10.79M · loan HK$10.79M · min. income ≈ HK$115,370/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$907,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,034
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$60,870
−HK$1,866/mo
Today · 4.125%
HK$62,736
baseline
▲ 0.50% · 4.625%
HK$66,553
+HK$3,817/mo
Deposit HK$8.63M · loan HK$12.94M · min. income ≈ HK$125,472/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$907,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,674
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$67,436
−HK$1,787/mo
Today · 4.125%
HK$69,223
baseline
▲ 0.50% · 4.625%
HK$72,871
+HK$3,648/mo
Deposit HK$8.63M · loan HK$12.94M · min. income ≈ HK$138,446/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$907,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,873
−HK$4,319/mo
▼ 0.25% · 3.875%
HK$71,015
−HK$2,177/mo
Today · 4.125%
HK$73,192
baseline
▲ 0.50% · 4.625%
HK$77,645
+HK$4,453/mo
Deposit HK$6.47M · loan HK$15.10M · min. income ≈ HK$146,384/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$907,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,620
−HK$4,140/mo
▼ 0.25% · 3.875%
HK$78,675
−HK$2,085/mo
Today · 4.125%
HK$80,760
baseline
▲ 0.50% · 4.625%
HK$85,017
+HK$4,257/mo
Deposit HK$6.47M · loan HK$15.10M · min. income ≈ HK$161,520/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$907,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,550
−HK$5,553/mo
▼ 0.25% · 3.875%
HK$91,305
−HK$2,798/mo
Today · 4.125%
HK$94,103
baseline
▲ 0.50% · 4.625%
HK$99,829
+HK$5,726/mo
Deposit HK$2.16M · loan HK$19.42M · min. income ≈ HK$188,206/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$907,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,512
−HK$5,322/mo
▼ 0.25% · 3.875%
HK$101,154
−HK$2,680/mo
Today · 4.125%
HK$103,834
baseline
▲ 0.50% · 4.625%
HK$109,307
+HK$5,473/mo
Deposit HK$2.16M · loan HK$19.42M · min. income ≈ HK$207,668/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$907,420 · Scale 2, in force from 26 Feb 2026)