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$48,287
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$49,788
−HK$1,527/mo
Today · 4.125%
HK$51,315
baseline
▲ 0.50% · 4.625%
HK$54,437
+HK$3,122/mo
Deposit HK$10.59M · loan HK$10.59M · min. income ≈ HK$102,630/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$867,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,718
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$55,159
−HK$1,461/mo
Today · 4.125%
HK$56,620
baseline
▲ 0.50% · 4.625%
HK$59,605
+HK$2,985/mo
Deposit HK$10.59M · loan HK$10.59M · min. income ≈ HK$113,240/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$867,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,944
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$59,746
−HK$1,831/mo
Today · 4.125%
HK$61,577
baseline
▲ 0.50% · 4.625%
HK$65,324
+HK$3,747/mo
Deposit HK$8.47M · loan HK$12.71M · min. income ≈ HK$123,154/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$867,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,462
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$66,191
−HK$1,754/mo
Today · 4.125%
HK$67,945
baseline
▲ 0.50% · 4.625%
HK$71,526
+HK$3,581/mo
Deposit HK$8.47M · loan HK$12.71M · min. income ≈ HK$135,890/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$867,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,601
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$69,704
−HK$2,136/mo
Today · 4.125%
HK$71,840
baseline
▲ 0.50% · 4.625%
HK$76,212
+HK$4,372/mo
Deposit HK$6.35M · loan HK$14.82M · min. income ≈ HK$143,680/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$867,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,206
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$77,223
−HK$2,046/mo
Today · 4.125%
HK$79,269
baseline
▲ 0.50% · 4.625%
HK$83,447
+HK$4,178/mo
Deposit HK$6.35M · loan HK$14.82M · min. income ≈ HK$158,538/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$867,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,916
−HK$5,450/mo
▼ 0.25% · 3.875%
HK$89,619
−HK$2,747/mo
Today · 4.125%
HK$92,366
baseline
▲ 0.50% · 4.625%
HK$97,986
+HK$5,620/mo
Deposit HK$2.12M · loan HK$19.06M · min. income ≈ HK$184,732/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$867,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,693
−HK$5,224/mo
▼ 0.25% · 3.875%
HK$99,286
−HK$2,631/mo
Today · 4.125%
HK$101,917
baseline
▲ 0.50% · 4.625%
HK$107,289
+HK$5,372/mo
Deposit HK$2.12M · loan HK$19.06M · min. income ≈ HK$203,834/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$867,592 · Scale 2, in force from 26 Feb 2026)