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$47,938
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$49,429
−HK$1,515/mo
Today · 4.125%
HK$50,944
baseline
▲ 0.50% · 4.625%
HK$54,044
+HK$3,100/mo
Deposit HK$10.51M · loan HK$10.51M · min. income ≈ HK$101,888/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$852,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,331
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$54,761
−HK$1,451/mo
Today · 4.125%
HK$56,212
baseline
▲ 0.50% · 4.625%
HK$59,175
+HK$2,963/mo
Deposit HK$10.51M · loan HK$10.51M · min. income ≈ HK$112,424/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$852,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,526
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$59,315
−HK$1,818/mo
Today · 4.125%
HK$61,133
baseline
▲ 0.50% · 4.625%
HK$64,853
+HK$3,720/mo
Deposit HK$8.41M · loan HK$12.61M · min. income ≈ HK$122,266/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$852,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,997
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$65,713
−HK$1,741/mo
Today · 4.125%
HK$67,454
baseline
▲ 0.50% · 4.625%
HK$71,010
+HK$3,556/mo
Deposit HK$8.41M · loan HK$12.61M · min. income ≈ HK$134,908/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$852,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,113
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$69,201
−HK$2,121/mo
Today · 4.125%
HK$71,322
baseline
▲ 0.50% · 4.625%
HK$75,662
+HK$4,340/mo
Deposit HK$6.31M · loan HK$14.72M · min. income ≈ HK$142,644/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$852,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,663
−HK$4,034/mo
▼ 0.25% · 3.875%
HK$76,665
−HK$2,032/mo
Today · 4.125%
HK$78,697
baseline
▲ 0.50% · 4.625%
HK$82,845
+HK$4,148/mo
Deposit HK$6.31M · loan HK$14.72M · min. income ≈ HK$157,394/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$852,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,288
−HK$5,412/mo
▼ 0.25% · 3.875%
HK$88,973
−HK$2,727/mo
Today · 4.125%
HK$91,700
baseline
▲ 0.50% · 4.625%
HK$97,279
+HK$5,579/mo
Deposit HK$2.10M · loan HK$18.92M · min. income ≈ HK$183,400/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$852,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,995
−HK$5,186/mo
▼ 0.25% · 3.875%
HK$98,570
−HK$2,611/mo
Today · 4.125%
HK$101,181
baseline
▲ 0.50% · 4.625%
HK$106,515
+HK$5,334/mo
Deposit HK$2.10M · loan HK$18.92M · min. income ≈ HK$202,362/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$852,310 · Scale 2, in force from 26 Feb 2026)