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$48,212
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$49,712
−HK$1,523/mo
Today · 4.125%
HK$51,235
baseline
▲ 0.50% · 4.625%
HK$54,353
+HK$3,118/mo
Deposit HK$10.57M · loan HK$10.57M · min. income ≈ HK$102,470/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$864,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,635
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$55,074
−HK$1,459/mo
Today · 4.125%
HK$56,533
baseline
▲ 0.50% · 4.625%
HK$59,513
+HK$2,980/mo
Deposit HK$10.57M · loan HK$10.57M · min. income ≈ HK$113,066/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$864,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,854
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$59,654
−HK$1,828/mo
Today · 4.125%
HK$61,482
baseline
▲ 0.50% · 4.625%
HK$65,223
+HK$3,741/mo
Deposit HK$8.46M · loan HK$12.69M · min. income ≈ HK$122,964/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$864,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,362
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$66,089
−HK$1,751/mo
Today · 4.125%
HK$67,840
baseline
▲ 0.50% · 4.625%
HK$71,416
+HK$3,576/mo
Deposit HK$8.46M · loan HK$12.69M · min. income ≈ HK$135,680/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$864,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,497
−HK$4,233/mo
▼ 0.25% · 3.875%
HK$69,596
−HK$2,134/mo
Today · 4.125%
HK$71,730
baseline
▲ 0.50% · 4.625%
HK$76,094
+HK$4,364/mo
Deposit HK$6.34M · loan HK$14.80M · min. income ≈ HK$143,460/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$864,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,090
−HK$4,056/mo
▼ 0.25% · 3.875%
HK$77,103
−HK$2,043/mo
Today · 4.125%
HK$79,146
baseline
▲ 0.50% · 4.625%
HK$83,318
+HK$4,172/mo
Deposit HK$6.34M · loan HK$14.80M · min. income ≈ HK$158,292/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$864,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,782
−HK$5,442/mo
▼ 0.25% · 3.875%
HK$89,481
−HK$2,743/mo
Today · 4.125%
HK$92,224
baseline
▲ 0.50% · 4.625%
HK$97,835
+HK$5,611/mo
Deposit HK$2.11M · loan HK$19.03M · min. income ≈ HK$184,448/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$864,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,544
−HK$5,216/mo
▼ 0.25% · 3.875%
HK$99,133
−HK$2,627/mo
Today · 4.125%
HK$101,760
baseline
▲ 0.50% · 4.625%
HK$107,124
+HK$5,364/mo
Deposit HK$2.11M · loan HK$19.03M · min. income ≈ HK$203,520/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$864,326 · Scale 2, in force from 26 Feb 2026)