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$49,396
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$50,933
−HK$1,561/mo
Today · 4.125%
HK$52,494
baseline
▲ 0.50% · 4.625%
HK$55,688
+HK$3,194/mo
Deposit HK$10.83M · loan HK$10.83M · min. income ≈ HK$104,988/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$916,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,953
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$56,427
−HK$1,495/mo
Today · 4.125%
HK$57,922
baseline
▲ 0.50% · 4.625%
HK$60,975
+HK$3,053/mo
Deposit HK$10.83M · loan HK$10.83M · min. income ≈ HK$115,844/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$916,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,276
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$61,120
−HK$1,873/mo
Today · 4.125%
HK$62,993
baseline
▲ 0.50% · 4.625%
HK$66,826
+HK$3,833/mo
Deposit HK$8.67M · loan HK$13.00M · min. income ≈ HK$125,986/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$916,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,944
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$67,712
−HK$1,794/mo
Today · 4.125%
HK$69,506
baseline
▲ 0.50% · 4.625%
HK$73,170
+HK$3,664/mo
Deposit HK$8.67M · loan HK$13.00M · min. income ≈ HK$139,012/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$916,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,155
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$71,306
−HK$2,186/mo
Today · 4.125%
HK$73,492
baseline
▲ 0.50% · 4.625%
HK$77,963
+HK$4,471/mo
Deposit HK$6.50M · loan HK$15.16M · min. income ≈ HK$146,984/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$916,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,934
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$78,998
−HK$2,093/mo
Today · 4.125%
HK$81,091
baseline
▲ 0.50% · 4.625%
HK$85,365
+HK$4,274/mo
Deposit HK$6.50M · loan HK$15.16M · min. income ≈ HK$162,182/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$916,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,914
−HK$5,575/mo
▼ 0.25% · 3.875%
HK$91,679
−HK$2,810/mo
Today · 4.125%
HK$94,489
baseline
▲ 0.50% · 4.625%
HK$100,239
+HK$5,750/mo
Deposit HK$2.17M · loan HK$19.50M · min. income ≈ HK$188,978/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$916,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,916
−HK$5,344/mo
▼ 0.25% · 3.875%
HK$101,568
−HK$2,692/mo
Today · 4.125%
HK$104,260
baseline
▲ 0.50% · 4.625%
HK$109,755
+HK$5,495/mo
Deposit HK$2.17M · loan HK$19.50M · min. income ≈ HK$208,520/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$916,269 · Scale 2, in force from 26 Feb 2026)