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$49,167
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$50,697
−HK$1,554/mo
Today · 4.125%
HK$52,251
baseline
▲ 0.50% · 4.625%
HK$55,430
+HK$3,179/mo
Deposit HK$10.78M · loan HK$10.78M · min. income ≈ HK$104,502/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$906,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,698
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$56,165
−HK$1,488/mo
Today · 4.125%
HK$57,653
baseline
▲ 0.50% · 4.625%
HK$60,692
+HK$3,039/mo
Deposit HK$10.78M · loan HK$10.78M · min. income ≈ HK$115,306/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$906,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,001
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$60,836
−HK$1,865/mo
Today · 4.125%
HK$62,701
baseline
▲ 0.50% · 4.625%
HK$66,516
+HK$3,815/mo
Deposit HK$8.62M · loan HK$12.94M · min. income ≈ HK$125,402/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$906,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,638
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$67,398
−HK$1,786/mo
Today · 4.125%
HK$69,184
baseline
▲ 0.50% · 4.625%
HK$72,831
+HK$3,647/mo
Deposit HK$8.62M · loan HK$12.94M · min. income ≈ HK$138,368/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$906,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,834
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$70,975
−HK$2,176/mo
Today · 4.125%
HK$73,151
baseline
▲ 0.50% · 4.625%
HK$77,602
+HK$4,451/mo
Deposit HK$6.47M · loan HK$15.09M · min. income ≈ HK$146,302/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$906,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,578
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$78,631
−HK$2,084/mo
Today · 4.125%
HK$80,715
baseline
▲ 0.50% · 4.625%
HK$84,969
+HK$4,254/mo
Deposit HK$6.47M · loan HK$15.09M · min. income ≈ HK$161,430/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$906,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,501
−HK$5,550/mo
▼ 0.25% · 3.875%
HK$91,254
−HK$2,797/mo
Today · 4.125%
HK$94,051
baseline
▲ 0.50% · 4.625%
HK$99,774
+HK$5,723/mo
Deposit HK$2.16M · loan HK$19.41M · min. income ≈ HK$188,102/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$906,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,457
−HK$5,319/mo
▼ 0.25% · 3.875%
HK$101,097
−HK$2,679/mo
Today · 4.125%
HK$103,776
baseline
▲ 0.50% · 4.625%
HK$109,246
+HK$5,470/mo
Deposit HK$2.16M · loan HK$19.41M · min. income ≈ HK$207,552/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$906,223 · Scale 2, in force from 26 Feb 2026)