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$49,111
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$50,638
−HK$1,553/mo
Today · 4.125%
HK$52,191
baseline
▲ 0.50% · 4.625%
HK$55,366
+HK$3,175/mo
Deposit HK$10.77M · loan HK$10.77M · min. income ≈ HK$104,382/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$903,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,635
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$56,101
−HK$1,486/mo
Today · 4.125%
HK$57,587
baseline
▲ 0.50% · 4.625%
HK$60,623
+HK$3,036/mo
Deposit HK$10.77M · loan HK$10.77M · min. income ≈ HK$115,174/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$903,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,933
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$60,766
−HK$1,863/mo
Today · 4.125%
HK$62,629
baseline
▲ 0.50% · 4.625%
HK$66,439
+HK$3,810/mo
Deposit HK$8.61M · loan HK$12.92M · min. income ≈ HK$125,258/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$903,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,562
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$67,321
−HK$1,784/mo
Today · 4.125%
HK$69,105
baseline
▲ 0.50% · 4.625%
HK$72,747
+HK$3,642/mo
Deposit HK$8.61M · loan HK$12.92M · min. income ≈ HK$138,210/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$903,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,755
−HK$4,312/mo
▼ 0.25% · 3.875%
HK$70,894
−HK$2,173/mo
Today · 4.125%
HK$73,067
baseline
▲ 0.50% · 4.625%
HK$77,513
+HK$4,446/mo
Deposit HK$6.46M · loan HK$15.08M · min. income ≈ HK$146,134/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$903,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,489
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$78,541
−HK$2,081/mo
Today · 4.125%
HK$80,622
baseline
▲ 0.50% · 4.625%
HK$84,872
+HK$4,250/mo
Deposit HK$6.46M · loan HK$15.08M · min. income ≈ HK$161,244/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$903,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,400
−HK$5,543/mo
▼ 0.25% · 3.875%
HK$91,149
−HK$2,794/mo
Today · 4.125%
HK$93,943
baseline
▲ 0.50% · 4.625%
HK$99,659
+HK$5,716/mo
Deposit HK$2.15M · loan HK$19.38M · min. income ≈ HK$187,886/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$903,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,344
−HK$5,313/mo
▼ 0.25% · 3.875%
HK$100,981
−HK$2,676/mo
Today · 4.125%
HK$103,657
baseline
▲ 0.50% · 4.625%
HK$109,121
+HK$5,464/mo
Deposit HK$2.15M · loan HK$19.38M · min. income ≈ HK$207,314/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$903,743 · Scale 2, in force from 26 Feb 2026)