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$48,668
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$50,182
−HK$1,538/mo
Today · 4.125%
HK$51,720
baseline
▲ 0.50% · 4.625%
HK$54,867
+HK$3,147/mo
Deposit HK$10.67M · loan HK$10.67M · min. income ≈ HK$103,440/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$884,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,142
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$55,595
−HK$1,473/mo
Today · 4.125%
HK$57,068
baseline
▲ 0.50% · 4.625%
HK$60,076
+HK$3,008/mo
Deposit HK$10.67M · loan HK$10.67M · min. income ≈ HK$114,136/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$884,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,401
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$60,218
−HK$1,846/mo
Today · 4.125%
HK$62,064
baseline
▲ 0.50% · 4.625%
HK$65,840
+HK$3,776/mo
Deposit HK$8.54M · loan HK$12.81M · min. income ≈ HK$124,128/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$884,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,971
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$66,713
−HK$1,768/mo
Today · 4.125%
HK$68,481
baseline
▲ 0.50% · 4.625%
HK$72,091
+HK$3,610/mo
Deposit HK$8.54M · loan HK$12.81M · min. income ≈ HK$136,962/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$884,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,135
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$70,254
−HK$2,154/mo
Today · 4.125%
HK$72,408
baseline
▲ 0.50% · 4.625%
HK$76,813
+HK$4,405/mo
Deposit HK$6.40M · loan HK$14.94M · min. income ≈ HK$144,816/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$884,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,799
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$77,832
−HK$2,063/mo
Today · 4.125%
HK$79,895
baseline
▲ 0.50% · 4.625%
HK$84,106
+HK$4,211/mo
Deposit HK$6.40M · loan HK$14.94M · min. income ≈ HK$159,790/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$884,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,602
−HK$5,494/mo
▼ 0.25% · 3.875%
HK$90,327
−HK$2,769/mo
Today · 4.125%
HK$93,096
baseline
▲ 0.50% · 4.625%
HK$98,760
+HK$5,664/mo
Deposit HK$2.13M · loan HK$19.21M · min. income ≈ HK$186,192/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$884,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,456
−HK$5,266/mo
▼ 0.25% · 3.875%
HK$100,070
−HK$2,652/mo
Today · 4.125%
HK$102,722
baseline
▲ 0.50% · 4.625%
HK$108,136
+HK$5,414/mo
Deposit HK$2.13M · loan HK$19.21M · min. income ≈ HK$205,444/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$884,315 · Scale 2, in force from 26 Feb 2026)