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$48,254
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$49,755
−HK$1,525/mo
Today · 4.125%
HK$51,280
baseline
▲ 0.50% · 4.625%
HK$54,400
+HK$3,120/mo
Deposit HK$10.58M · loan HK$10.58M · min. income ≈ HK$102,560/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$866,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,682
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$55,122
−HK$1,461/mo
Today · 4.125%
HK$56,583
baseline
▲ 0.50% · 4.625%
HK$59,565
+HK$2,982/mo
Deposit HK$10.58M · loan HK$10.58M · min. income ≈ HK$113,166/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$866,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,905
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$59,706
−HK$1,830/mo
Today · 4.125%
HK$61,536
baseline
▲ 0.50% · 4.625%
HK$65,281
+HK$3,745/mo
Deposit HK$8.46M · loan HK$12.70M · min. income ≈ HK$123,072/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$866,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,419
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$66,146
−HK$1,753/mo
Today · 4.125%
HK$67,899
baseline
▲ 0.50% · 4.625%
HK$71,478
+HK$3,579/mo
Deposit HK$8.46M · loan HK$12.70M · min. income ≈ HK$135,798/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$866,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,556
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$69,657
−HK$2,135/mo
Today · 4.125%
HK$71,792
baseline
▲ 0.50% · 4.625%
HK$76,161
+HK$4,369/mo
Deposit HK$6.35M · loan HK$14.81M · min. income ≈ HK$143,584/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$866,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,155
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$77,171
−HK$2,045/mo
Today · 4.125%
HK$79,216
baseline
▲ 0.50% · 4.625%
HK$83,391
+HK$4,175/mo
Deposit HK$6.35M · loan HK$14.81M · min. income ≈ HK$158,432/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$866,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,858
−HK$5,446/mo
▼ 0.25% · 3.875%
HK$89,559
−HK$2,745/mo
Today · 4.125%
HK$92,304
baseline
▲ 0.50% · 4.625%
HK$97,921
+HK$5,617/mo
Deposit HK$2.12M · loan HK$19.05M · min. income ≈ HK$184,608/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$866,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,628
−HK$5,221/mo
▼ 0.25% · 3.875%
HK$99,220
−HK$2,629/mo
Today · 4.125%
HK$101,849
baseline
▲ 0.50% · 4.625%
HK$107,217
+HK$5,368/mo
Deposit HK$2.12M · loan HK$19.05M · min. income ≈ HK$203,698/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$866,175 · Scale 2, in force from 26 Feb 2026)