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$49,369
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$50,904
−HK$1,561/mo
Today · 4.125%
HK$52,465
baseline
▲ 0.50% · 4.625%
HK$55,657
+HK$3,192/mo
Deposit HK$10.83M · loan HK$10.83M · min. income ≈ HK$104,930/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$915,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,922
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$56,395
−HK$1,495/mo
Today · 4.125%
HK$57,890
baseline
▲ 0.50% · 4.625%
HK$60,941
+HK$3,051/mo
Deposit HK$10.83M · loan HK$10.83M · min. income ≈ HK$115,780/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$915,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,243
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$61,085
−HK$1,873/mo
Today · 4.125%
HK$62,958
baseline
▲ 0.50% · 4.625%
HK$66,788
+HK$3,830/mo
Deposit HK$8.66M · loan HK$12.99M · min. income ≈ HK$125,916/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$915,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,907
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$67,674
−HK$1,794/mo
Today · 4.125%
HK$69,468
baseline
▲ 0.50% · 4.625%
HK$73,129
+HK$3,661/mo
Deposit HK$8.66M · loan HK$12.99M · min. income ≈ HK$138,936/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$915,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,116
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$71,266
−HK$2,185/mo
Today · 4.125%
HK$73,451
baseline
▲ 0.50% · 4.625%
HK$77,920
+HK$4,469/mo
Deposit HK$6.50M · loan HK$15.16M · min. income ≈ HK$146,902/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$915,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,891
−HK$4,154/mo
▼ 0.25% · 3.875%
HK$78,953
−HK$2,092/mo
Today · 4.125%
HK$81,045
baseline
▲ 0.50% · 4.625%
HK$85,317
+HK$4,272/mo
Deposit HK$6.50M · loan HK$15.16M · min. income ≈ HK$162,090/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$915,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,864
−HK$5,572/mo
▼ 0.25% · 3.875%
HK$91,628
−HK$2,808/mo
Today · 4.125%
HK$94,436
baseline
▲ 0.50% · 4.625%
HK$100,183
+HK$5,747/mo
Deposit HK$2.17M · loan HK$19.49M · min. income ≈ HK$188,872/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$915,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,860
−HK$5,341/mo
▼ 0.25% · 3.875%
HK$101,512
−HK$2,689/mo
Today · 4.125%
HK$104,201
baseline
▲ 0.50% · 4.625%
HK$109,694
+HK$5,493/mo
Deposit HK$2.17M · loan HK$19.49M · min. income ≈ HK$208,402/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$915,057 · Scale 2, in force from 26 Feb 2026)