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$48,390
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$49,895
−HK$1,529/mo
Today · 4.125%
HK$51,424
baseline
▲ 0.50% · 4.625%
HK$54,553
+HK$3,129/mo
Deposit HK$10.61M · loan HK$10.61M · min. income ≈ HK$102,848/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$872,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,833
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$55,277
−HK$1,465/mo
Today · 4.125%
HK$56,742
baseline
▲ 0.50% · 4.625%
HK$59,733
+HK$2,991/mo
Deposit HK$10.61M · loan HK$10.61M · min. income ≈ HK$113,484/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$872,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,068
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$59,874
−HK$1,835/mo
Today · 4.125%
HK$61,709
baseline
▲ 0.50% · 4.625%
HK$65,464
+HK$3,755/mo
Deposit HK$8.49M · loan HK$12.73M · min. income ≈ HK$123,418/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$872,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,600
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$66,332
−HK$1,758/mo
Today · 4.125%
HK$68,090
baseline
▲ 0.50% · 4.625%
HK$71,679
+HK$3,589/mo
Deposit HK$8.49M · loan HK$12.73M · min. income ≈ HK$136,180/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$872,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,746
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$69,853
−HK$2,141/mo
Today · 4.125%
HK$71,994
baseline
▲ 0.50% · 4.625%
HK$76,375
+HK$4,381/mo
Deposit HK$6.37M · loan HK$14.85M · min. income ≈ HK$143,988/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$872,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,366
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$77,388
−HK$2,050/mo
Today · 4.125%
HK$79,438
baseline
▲ 0.50% · 4.625%
HK$83,626
+HK$4,188/mo
Deposit HK$6.37M · loan HK$14.85M · min. income ≈ HK$158,876/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$872,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,102
−HK$5,462/mo
▼ 0.25% · 3.875%
HK$89,811
−HK$2,753/mo
Today · 4.125%
HK$92,564
baseline
▲ 0.50% · 4.625%
HK$98,196
+HK$5,632/mo
Deposit HK$2.12M · loan HK$19.10M · min. income ≈ HK$185,128/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$872,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,900
−HK$5,235/mo
▼ 0.25% · 3.875%
HK$99,498
−HK$2,637/mo
Today · 4.125%
HK$102,135
baseline
▲ 0.50% · 4.625%
HK$107,519
+HK$5,384/mo
Deposit HK$2.12M · loan HK$19.10M · min. income ≈ HK$204,270/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$872,121 · Scale 2, in force from 26 Feb 2026)