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$49,125
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$50,653
−HK$1,552/mo
Today · 4.125%
HK$52,205
baseline
▲ 0.50% · 4.625%
HK$55,382
+HK$3,177/mo
Deposit HK$10.77M · loan HK$10.77M · min. income ≈ HK$104,410/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$904,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,651
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$56,116
−HK$1,487/mo
Today · 4.125%
HK$57,603
baseline
▲ 0.50% · 4.625%
HK$60,640
+HK$3,037/mo
Deposit HK$10.77M · loan HK$10.77M · min. income ≈ HK$115,206/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$904,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,950
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$60,783
−HK$1,863/mo
Today · 4.125%
HK$62,646
baseline
▲ 0.50% · 4.625%
HK$66,458
+HK$3,812/mo
Deposit HK$8.62M · loan HK$12.93M · min. income ≈ HK$125,292/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$904,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,581
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$67,340
−HK$1,784/mo
Today · 4.125%
HK$69,124
baseline
▲ 0.50% · 4.625%
HK$72,768
+HK$3,644/mo
Deposit HK$8.62M · loan HK$12.93M · min. income ≈ HK$138,248/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$904,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,775
−HK$4,312/mo
▼ 0.25% · 3.875%
HK$70,914
−HK$2,173/mo
Today · 4.125%
HK$73,087
baseline
▲ 0.50% · 4.625%
HK$77,534
+HK$4,447/mo
Deposit HK$6.46M · loan HK$15.08M · min. income ≈ HK$146,174/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$904,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,511
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$78,563
−HK$2,082/mo
Today · 4.125%
HK$80,645
baseline
▲ 0.50% · 4.625%
HK$84,896
+HK$4,251/mo
Deposit HK$6.46M · loan HK$15.08M · min. income ≈ HK$161,290/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$904,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,424
−HK$5,545/mo
▼ 0.25% · 3.875%
HK$91,175
−HK$2,794/mo
Today · 4.125%
HK$93,969
baseline
▲ 0.50% · 4.625%
HK$99,687
+HK$5,718/mo
Deposit HK$2.15M · loan HK$19.39M · min. income ≈ HK$187,938/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$904,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,371
−HK$5,315/mo
▼ 0.25% · 3.875%
HK$101,010
−HK$2,676/mo
Today · 4.125%
HK$103,686
baseline
▲ 0.50% · 4.625%
HK$109,151
+HK$5,465/mo
Deposit HK$2.15M · loan HK$19.39M · min. income ≈ HK$207,372/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$904,349 · Scale 2, in force from 26 Feb 2026)