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$48,484
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$49,992
−HK$1,533/mo
Today · 4.125%
HK$51,525
baseline
▲ 0.50% · 4.625%
HK$54,660
+HK$3,135/mo
Deposit HK$10.63M · loan HK$10.63M · min. income ≈ HK$103,050/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$876,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,938
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$55,385
−HK$1,467/mo
Today · 4.125%
HK$56,852
baseline
▲ 0.50% · 4.625%
HK$59,849
+HK$2,997/mo
Deposit HK$10.63M · loan HK$10.63M · min. income ≈ HK$113,704/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$876,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,181
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$59,991
−HK$1,838/mo
Today · 4.125%
HK$61,829
baseline
▲ 0.50% · 4.625%
HK$65,592
+HK$3,763/mo
Deposit HK$8.51M · loan HK$12.76M · min. income ≈ HK$123,658/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$876,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,726
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$66,462
−HK$1,761/mo
Today · 4.125%
HK$68,223
baseline
▲ 0.50% · 4.625%
HK$71,819
+HK$3,596/mo
Deposit HK$8.51M · loan HK$12.76M · min. income ≈ HK$136,446/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$876,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,878
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$69,989
−HK$2,145/mo
Today · 4.125%
HK$72,134
baseline
▲ 0.50% · 4.625%
HK$76,524
+HK$4,390/mo
Deposit HK$6.38M · loan HK$14.88M · min. income ≈ HK$144,268/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$876,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,513
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$77,539
−HK$2,054/mo
Today · 4.125%
HK$79,593
baseline
▲ 0.50% · 4.625%
HK$83,789
+HK$4,196/mo
Deposit HK$6.38M · loan HK$14.88M · min. income ≈ HK$159,186/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$876,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,271
−HK$5,473/mo
▼ 0.25% · 3.875%
HK$89,986
−HK$2,758/mo
Today · 4.125%
HK$92,744
baseline
▲ 0.50% · 4.625%
HK$98,387
+HK$5,643/mo
Deposit HK$2.13M · loan HK$19.14M · min. income ≈ HK$185,488/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$876,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,089
−HK$5,245/mo
▼ 0.25% · 3.875%
HK$99,692
−HK$2,642/mo
Today · 4.125%
HK$102,334
baseline
▲ 0.50% · 4.625%
HK$107,728
+HK$5,394/mo
Deposit HK$2.13M · loan HK$19.14M · min. income ≈ HK$204,668/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$876,259 · Scale 2, in force from 26 Feb 2026)