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$47,707
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$49,191
−HK$1,508/mo
Today · 4.125%
HK$50,699
baseline
▲ 0.50% · 4.625%
HK$53,783
+HK$3,084/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$101,398/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$842,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,073
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$54,497
−HK$1,444/mo
Today · 4.125%
HK$55,941
baseline
▲ 0.50% · 4.625%
HK$58,890
+HK$2,949/mo
Deposit HK$10.46M · loan HK$10.46M · min. income ≈ HK$111,882/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$842,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,248
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$59,029
−HK$1,809/mo
Today · 4.125%
HK$60,838
baseline
▲ 0.50% · 4.625%
HK$64,540
+HK$3,702/mo
Deposit HK$8.37M · loan HK$12.55M · min. income ≈ HK$121,676/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$842,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,688
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$65,396
−HK$1,733/mo
Today · 4.125%
HK$67,129
baseline
▲ 0.50% · 4.625%
HK$70,667
+HK$3,538/mo
Deposit HK$8.37M · loan HK$12.55M · min. income ≈ HK$134,258/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$842,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,790
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$68,867
−HK$2,111/mo
Today · 4.125%
HK$70,978
baseline
▲ 0.50% · 4.625%
HK$75,297
+HK$4,319/mo
Deposit HK$6.28M · loan HK$14.65M · min. income ≈ HK$141,956/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$842,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,303
−HK$4,014/mo
▼ 0.25% · 3.875%
HK$76,296
−HK$2,021/mo
Today · 4.125%
HK$78,317
baseline
▲ 0.50% · 4.625%
HK$82,445
+HK$4,128/mo
Deposit HK$6.28M · loan HK$14.65M · min. income ≈ HK$156,634/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$842,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,872
−HK$5,385/mo
▼ 0.25% · 3.875%
HK$88,544
−HK$2,713/mo
Today · 4.125%
HK$91,257
baseline
▲ 0.50% · 4.625%
HK$96,810
+HK$5,553/mo
Deposit HK$2.09M · loan HK$18.83M · min. income ≈ HK$182,514/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$842,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,532
−HK$5,162/mo
▼ 0.25% · 3.875%
HK$98,094
−HK$2,600/mo
Today · 4.125%
HK$100,694
baseline
▲ 0.50% · 4.625%
HK$106,001
+HK$5,307/mo
Deposit HK$2.09M · loan HK$18.83M · min. income ≈ HK$201,388/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$842,173 · Scale 2, in force from 26 Feb 2026)