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$49,410
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$50,947
−HK$1,561/mo
Today · 4.125%
HK$52,508
baseline
▲ 0.50% · 4.625%
HK$55,703
+HK$3,195/mo
Deposit HK$10.83M · loan HK$10.83M · min. income ≈ HK$105,016/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$916,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,968
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$56,442
−HK$1,496/mo
Today · 4.125%
HK$57,938
baseline
▲ 0.50% · 4.625%
HK$60,992
+HK$3,054/mo
Deposit HK$10.83M · loan HK$10.83M · min. income ≈ HK$115,876/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$916,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,292
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$61,136
−HK$1,874/mo
Today · 4.125%
HK$63,010
baseline
▲ 0.50% · 4.625%
HK$66,844
+HK$3,834/mo
Deposit HK$8.67M · loan HK$13.00M · min. income ≈ HK$126,020/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$916,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,962
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$67,731
−HK$1,794/mo
Today · 4.125%
HK$69,525
baseline
▲ 0.50% · 4.625%
HK$73,190
+HK$3,665/mo
Deposit HK$8.67M · loan HK$13.00M · min. income ≈ HK$139,050/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$916,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,174
−HK$4,338/mo
▼ 0.25% · 3.875%
HK$71,325
−HK$2,187/mo
Today · 4.125%
HK$73,512
baseline
▲ 0.50% · 4.625%
HK$77,985
+HK$4,473/mo
Deposit HK$6.50M · loan HK$15.17M · min. income ≈ HK$147,024/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$916,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,955
−HK$4,158/mo
▼ 0.25% · 3.875%
HK$79,019
−HK$2,094/mo
Today · 4.125%
HK$81,113
baseline
▲ 0.50% · 4.625%
HK$85,388
+HK$4,275/mo
Deposit HK$6.50M · loan HK$15.17M · min. income ≈ HK$162,226/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$916,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,938
−HK$5,577/mo
▼ 0.25% · 3.875%
HK$91,704
−HK$2,811/mo
Today · 4.125%
HK$94,515
baseline
▲ 0.50% · 4.625%
HK$100,266
+HK$5,751/mo
Deposit HK$2.17M · loan HK$19.50M · min. income ≈ HK$189,030/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$916,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,942
−HK$5,346/mo
▼ 0.25% · 3.875%
HK$101,596
−HK$2,692/mo
Today · 4.125%
HK$104,288
baseline
▲ 0.50% · 4.625%
HK$109,785
+HK$5,497/mo
Deposit HK$2.17M · loan HK$19.50M · min. income ≈ HK$208,576/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$916,855 · Scale 2, in force from 26 Feb 2026)