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$49,456
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$50,995
−HK$1,563/mo
Today · 4.125%
HK$52,558
baseline
▲ 0.50% · 4.625%
HK$55,756
+HK$3,198/mo
Deposit HK$10.84M · loan HK$10.84M · min. income ≈ HK$105,116/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$918,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,020
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$56,495
−HK$1,497/mo
Today · 4.125%
HK$57,992
baseline
▲ 0.50% · 4.625%
HK$61,049
+HK$3,057/mo
Deposit HK$10.84M · loan HK$10.84M · min. income ≈ HK$115,984/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$918,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,347
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$61,194
−HK$1,875/mo
Today · 4.125%
HK$63,069
baseline
▲ 0.50% · 4.625%
HK$66,907
+HK$3,838/mo
Deposit HK$8.68M · loan HK$13.01M · min. income ≈ HK$126,138/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$918,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,023
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$67,794
−HK$1,797/mo
Today · 4.125%
HK$69,591
baseline
▲ 0.50% · 4.625%
HK$73,259
+HK$3,668/mo
Deposit HK$8.68M · loan HK$13.01M · min. income ≈ HK$139,182/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$918,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,239
−HK$4,342/mo
▼ 0.25% · 3.875%
HK$71,392
−HK$2,189/mo
Today · 4.125%
HK$73,581
baseline
▲ 0.50% · 4.625%
HK$78,058
+HK$4,477/mo
Deposit HK$6.51M · loan HK$15.18M · min. income ≈ HK$147,162/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$918,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,027
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$79,093
−HK$2,096/mo
Today · 4.125%
HK$81,189
baseline
▲ 0.50% · 4.625%
HK$85,469
+HK$4,280/mo
Deposit HK$6.51M · loan HK$15.18M · min. income ≈ HK$162,378/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$918,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,021
−HK$5,583/mo
▼ 0.25% · 3.875%
HK$91,790
−HK$2,814/mo
Today · 4.125%
HK$94,604
baseline
▲ 0.50% · 4.625%
HK$100,360
+HK$5,756/mo
Deposit HK$2.17M · loan HK$19.52M · min. income ≈ HK$189,208/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$918,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,035
−HK$5,351/mo
▼ 0.25% · 3.875%
HK$101,691
−HK$2,695/mo
Today · 4.125%
HK$104,386
baseline
▲ 0.50% · 4.625%
HK$109,888
+HK$5,502/mo
Deposit HK$2.17M · loan HK$19.52M · min. income ≈ HK$208,772/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$918,889 · Scale 2, in force from 26 Feb 2026)