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$49,140
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$50,668
−HK$1,553/mo
Today · 4.125%
HK$52,221
baseline
▲ 0.50% · 4.625%
HK$55,399
+HK$3,178/mo
Deposit HK$10.78M · loan HK$10.78M · min. income ≈ HK$104,442/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$905,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,668
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$56,134
−HK$1,487/mo
Today · 4.125%
HK$57,621
baseline
▲ 0.50% · 4.625%
HK$60,658
+HK$3,037/mo
Deposit HK$10.78M · loan HK$10.78M · min. income ≈ HK$115,242/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$905,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,968
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$60,802
−HK$1,864/mo
Today · 4.125%
HK$62,666
baseline
▲ 0.50% · 4.625%
HK$66,479
+HK$3,813/mo
Deposit HK$8.62M · loan HK$12.93M · min. income ≈ HK$125,332/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$905,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,601
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$67,360
−HK$1,785/mo
Today · 4.125%
HK$69,145
baseline
▲ 0.50% · 4.625%
HK$72,790
+HK$3,645/mo
Deposit HK$8.62M · loan HK$12.93M · min. income ≈ HK$138,290/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$905,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,796
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$70,936
−HK$2,174/mo
Today · 4.125%
HK$73,110
baseline
▲ 0.50% · 4.625%
HK$77,558
+HK$4,448/mo
Deposit HK$6.47M · loan HK$15.09M · min. income ≈ HK$146,220/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$905,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,535
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$78,587
−HK$2,082/mo
Today · 4.125%
HK$80,669
baseline
▲ 0.50% · 4.625%
HK$84,922
+HK$4,253/mo
Deposit HK$6.47M · loan HK$15.09M · min. income ≈ HK$161,338/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$905,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,452
−HK$5,546/mo
▼ 0.25% · 3.875%
HK$91,203
−HK$2,795/mo
Today · 4.125%
HK$93,998
baseline
▲ 0.50% · 4.625%
HK$99,718
+HK$5,720/mo
Deposit HK$2.16M · loan HK$19.40M · min. income ≈ HK$187,996/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$905,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,402
−HK$5,316/mo
▼ 0.25% · 3.875%
HK$101,041
−HK$2,677/mo
Today · 4.125%
HK$103,718
baseline
▲ 0.50% · 4.625%
HK$109,185
+HK$5,467/mo
Deposit HK$2.16M · loan HK$19.40M · min. income ≈ HK$207,436/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$905,011 · Scale 2, in force from 26 Feb 2026)