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$49,381
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$50,917
−HK$1,560/mo
Today · 4.125%
HK$52,477
baseline
▲ 0.50% · 4.625%
HK$55,670
+HK$3,193/mo
Deposit HK$10.83M · loan HK$10.83M · min. income ≈ HK$104,954/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$915,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,935
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$56,409
−HK$1,494/mo
Today · 4.125%
HK$57,903
baseline
▲ 0.50% · 4.625%
HK$60,956
+HK$3,053/mo
Deposit HK$10.83M · loan HK$10.83M · min. income ≈ HK$115,806/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$915,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,257
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$61,100
−HK$1,873/mo
Today · 4.125%
HK$62,973
baseline
▲ 0.50% · 4.625%
HK$66,804
+HK$3,831/mo
Deposit HK$8.66M · loan HK$12.99M · min. income ≈ HK$125,946/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$915,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,922
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$67,690
−HK$1,794/mo
Today · 4.125%
HK$69,484
baseline
▲ 0.50% · 4.625%
HK$73,147
+HK$3,663/mo
Deposit HK$8.66M · loan HK$12.99M · min. income ≈ HK$138,968/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$915,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,133
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$71,283
−HK$2,185/mo
Today · 4.125%
HK$73,468
baseline
▲ 0.50% · 4.625%
HK$77,938
+HK$4,470/mo
Deposit HK$6.50M · loan HK$15.16M · min. income ≈ HK$146,936/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$915,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,910
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$78,972
−HK$2,093/mo
Today · 4.125%
HK$81,065
baseline
▲ 0.50% · 4.625%
HK$85,338
+HK$4,273/mo
Deposit HK$6.50M · loan HK$15.16M · min. income ≈ HK$162,130/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$915,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,885
−HK$5,574/mo
▼ 0.25% · 3.875%
HK$91,650
−HK$2,809/mo
Today · 4.125%
HK$94,459
baseline
▲ 0.50% · 4.625%
HK$100,207
+HK$5,748/mo
Deposit HK$2.17M · loan HK$19.49M · min. income ≈ HK$188,918/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$915,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,884
−HK$5,342/mo
▼ 0.25% · 3.875%
HK$101,536
−HK$2,690/mo
Today · 4.125%
HK$104,226
baseline
▲ 0.50% · 4.625%
HK$109,720
+HK$5,494/mo
Deposit HK$2.17M · loan HK$19.49M · min. income ≈ HK$208,452/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$915,572 · Scale 2, in force from 26 Feb 2026)