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$47,963
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$49,454
−HK$1,516/mo
Today · 4.125%
HK$50,970
baseline
▲ 0.50% · 4.625%
HK$54,072
+HK$3,102/mo
Deposit HK$10.52M · loan HK$10.52M · min. income ≈ HK$101,940/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$853,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,358
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$54,789
−HK$1,452/mo
Today · 4.125%
HK$56,241
baseline
▲ 0.50% · 4.625%
HK$59,205
+HK$2,964/mo
Deposit HK$10.52M · loan HK$10.52M · min. income ≈ HK$112,482/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$853,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,555
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$59,345
−HK$1,819/mo
Today · 4.125%
HK$61,164
baseline
▲ 0.50% · 4.625%
HK$64,886
+HK$3,722/mo
Deposit HK$8.41M · loan HK$12.62M · min. income ≈ HK$122,328/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$853,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,029
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$65,747
−HK$1,742/mo
Today · 4.125%
HK$67,489
baseline
▲ 0.50% · 4.625%
HK$71,046
+HK$3,557/mo
Deposit HK$8.41M · loan HK$12.62M · min. income ≈ HK$134,978/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$853,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,148
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$69,236
−HK$2,122/mo
Today · 4.125%
HK$71,358
baseline
▲ 0.50% · 4.625%
HK$75,700
+HK$4,342/mo
Deposit HK$6.31M · loan HK$14.72M · min. income ≈ HK$142,716/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$853,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,701
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$76,704
−HK$2,033/mo
Today · 4.125%
HK$78,737
baseline
▲ 0.50% · 4.625%
HK$82,887
+HK$4,150/mo
Deposit HK$6.31M · loan HK$14.72M · min. income ≈ HK$157,474/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$853,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,333
−HK$5,413/mo
▼ 0.25% · 3.875%
HK$89,018
−HK$2,728/mo
Today · 4.125%
HK$91,746
baseline
▲ 0.50% · 4.625%
HK$97,329
+HK$5,583/mo
Deposit HK$2.10M · loan HK$18.93M · min. income ≈ HK$183,492/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$853,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,044
−HK$5,189/mo
▼ 0.25% · 3.875%
HK$98,620
−HK$2,613/mo
Today · 4.125%
HK$101,233
baseline
▲ 0.50% · 4.625%
HK$106,569
+HK$5,336/mo
Deposit HK$2.10M · loan HK$18.93M · min. income ≈ HK$202,466/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$853,385 · Scale 2, in force from 26 Feb 2026)