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$48,269
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$49,771
−HK$1,525/mo
Today · 4.125%
HK$51,296
baseline
▲ 0.50% · 4.625%
HK$54,418
+HK$3,122/mo
Deposit HK$10.58M · loan HK$10.58M · min. income ≈ HK$102,592/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$866,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,699
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$55,139
−HK$1,461/mo
Today · 4.125%
HK$56,600
baseline
▲ 0.50% · 4.625%
HK$59,584
+HK$2,984/mo
Deposit HK$10.58M · loan HK$10.58M · min. income ≈ HK$113,200/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$866,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,923
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$59,725
−HK$1,831/mo
Today · 4.125%
HK$61,556
baseline
▲ 0.50% · 4.625%
HK$65,301
+HK$3,745/mo
Deposit HK$8.47M · loan HK$12.70M · min. income ≈ HK$123,112/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$866,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,439
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$66,167
−HK$1,754/mo
Today · 4.125%
HK$67,921
baseline
▲ 0.50% · 4.625%
HK$71,501
+HK$3,580/mo
Deposit HK$8.47M · loan HK$12.70M · min. income ≈ HK$135,842/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$866,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,577
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$69,679
−HK$2,136/mo
Today · 4.125%
HK$71,815
baseline
▲ 0.50% · 4.625%
HK$76,185
+HK$4,370/mo
Deposit HK$6.35M · loan HK$14.82M · min. income ≈ HK$143,630/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$866,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,179
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$77,195
−HK$2,046/mo
Today · 4.125%
HK$79,241
baseline
▲ 0.50% · 4.625%
HK$83,418
+HK$4,177/mo
Deposit HK$6.35M · loan HK$14.82M · min. income ≈ HK$158,482/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$866,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,885
−HK$5,448/mo
▼ 0.25% · 3.875%
HK$89,588
−HK$2,745/mo
Today · 4.125%
HK$92,333
baseline
▲ 0.50% · 4.625%
HK$97,952
+HK$5,619/mo
Deposit HK$2.12M · loan HK$19.05M · min. income ≈ HK$184,666/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$866,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,659
−HK$5,222/mo
▼ 0.25% · 3.875%
HK$99,251
−HK$2,630/mo
Today · 4.125%
HK$101,881
baseline
▲ 0.50% · 4.625%
HK$107,251
+HK$5,370/mo
Deposit HK$2.12M · loan HK$19.05M · min. income ≈ HK$203,762/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$866,844 · Scale 2, in force from 26 Feb 2026)