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$47,923
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$49,413
−HK$1,515/mo
Today · 4.125%
HK$50,928
baseline
▲ 0.50% · 4.625%
HK$54,026
+HK$3,098/mo
Deposit HK$10.51M · loan HK$10.51M · min. income ≈ HK$101,856/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$851,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,313
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$54,743
−HK$1,451/mo
Today · 4.125%
HK$56,194
baseline
▲ 0.50% · 4.625%
HK$59,156
+HK$2,962/mo
Deposit HK$10.51M · loan HK$10.51M · min. income ≈ HK$112,388/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$851,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,507
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$59,296
−HK$1,817/mo
Today · 4.125%
HK$61,113
baseline
▲ 0.50% · 4.625%
HK$64,832
+HK$3,719/mo
Deposit HK$8.41M · loan HK$12.61M · min. income ≈ HK$122,226/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$851,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,976
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$65,692
−HK$1,740/mo
Today · 4.125%
HK$67,432
baseline
▲ 0.50% · 4.625%
HK$70,987
+HK$3,555/mo
Deposit HK$8.41M · loan HK$12.61M · min. income ≈ HK$134,864/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$851,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,092
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$69,178
−HK$2,121/mo
Today · 4.125%
HK$71,299
baseline
▲ 0.50% · 4.625%
HK$75,637
+HK$4,338/mo
Deposit HK$6.30M · loan HK$14.71M · min. income ≈ HK$142,598/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$851,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,639
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$76,640
−HK$2,031/mo
Today · 4.125%
HK$78,671
baseline
▲ 0.50% · 4.625%
HK$82,818
+HK$4,147/mo
Deposit HK$6.30M · loan HK$14.71M · min. income ≈ HK$157,342/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$851,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,261
−HK$5,409/mo
▼ 0.25% · 3.875%
HK$88,944
−HK$2,726/mo
Today · 4.125%
HK$91,670
baseline
▲ 0.50% · 4.625%
HK$97,248
+HK$5,578/mo
Deposit HK$2.10M · loan HK$18.91M · min. income ≈ HK$183,340/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$851,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,964
−HK$5,185/mo
▼ 0.25% · 3.875%
HK$98,538
−HK$2,611/mo
Today · 4.125%
HK$101,149
baseline
▲ 0.50% · 4.625%
HK$106,480
+HK$5,331/mo
Deposit HK$2.10M · loan HK$18.91M · min. income ≈ HK$202,298/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$851,628 · Scale 2, in force from 26 Feb 2026)