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$48,299
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$49,802
−HK$1,526/mo
Today · 4.125%
HK$51,328
baseline
▲ 0.50% · 4.625%
HK$54,451
+HK$3,123/mo
Deposit HK$10.59M · loan HK$10.59M · min. income ≈ HK$102,656/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$868,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,733
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$55,174
−HK$1,462/mo
Today · 4.125%
HK$56,636
baseline
▲ 0.50% · 4.625%
HK$59,621
+HK$2,985/mo
Deposit HK$10.59M · loan HK$10.59M · min. income ≈ HK$113,272/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$868,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,959
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$59,762
−HK$1,832/mo
Today · 4.125%
HK$61,594
baseline
▲ 0.50% · 4.625%
HK$65,342
+HK$3,748/mo
Deposit HK$8.47M · loan HK$12.71M · min. income ≈ HK$123,188/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$868,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,479
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$66,209
−HK$1,754/mo
Today · 4.125%
HK$67,963
baseline
▲ 0.50% · 4.625%
HK$71,545
+HK$3,582/mo
Deposit HK$8.47M · loan HK$12.71M · min. income ≈ HK$135,926/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$868,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,619
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$69,723
−HK$2,137/mo
Today · 4.125%
HK$71,860
baseline
▲ 0.50% · 4.625%
HK$76,232
+HK$4,372/mo
Deposit HK$6.35M · loan HK$14.83M · min. income ≈ HK$143,720/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$868,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,226
−HK$4,064/mo
▼ 0.25% · 3.875%
HK$77,243
−HK$2,047/mo
Today · 4.125%
HK$79,290
baseline
▲ 0.50% · 4.625%
HK$83,469
+HK$4,179/mo
Deposit HK$6.35M · loan HK$14.83M · min. income ≈ HK$158,580/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$868,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,939
−HK$5,452/mo
▼ 0.25% · 3.875%
HK$89,643
−HK$2,748/mo
Today · 4.125%
HK$92,391
baseline
▲ 0.50% · 4.625%
HK$98,013
+HK$5,622/mo
Deposit HK$2.12M · loan HK$19.06M · min. income ≈ HK$184,782/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$868,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,719
−HK$5,225/mo
▼ 0.25% · 3.875%
HK$99,313
−HK$2,631/mo
Today · 4.125%
HK$101,944
baseline
▲ 0.50% · 4.625%
HK$107,318
+HK$5,374/mo
Deposit HK$2.12M · loan HK$19.06M · min. income ≈ HK$203,888/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$868,161 · Scale 2, in force from 26 Feb 2026)