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$49,168
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$50,697
−HK$1,554/mo
Today · 4.125%
HK$52,251
baseline
▲ 0.50% · 4.625%
HK$55,431
+HK$3,180/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$906,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,699
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$56,166
−HK$1,488/mo
Today · 4.125%
HK$57,654
baseline
▲ 0.50% · 4.625%
HK$60,693
+HK$3,039/mo
Deposit HK$10.78M · loan HK$10.78M · min. income ≈ HK$115,308/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$906,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,002
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$60,837
−HK$1,865/mo
Today · 4.125%
HK$62,702
baseline
▲ 0.50% · 4.625%
HK$66,517
+HK$3,815/mo
Deposit HK$8.63M · loan HK$12.94M · min. income ≈ HK$125,404/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$906,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,639
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$67,399
−HK$1,786/mo
Today · 4.125%
HK$69,185
baseline
▲ 0.50% · 4.625%
HK$72,832
+HK$3,647/mo
Deposit HK$8.63M · loan HK$12.94M · min. income ≈ HK$138,370/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$906,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,835
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$70,976
−HK$2,176/mo
Today · 4.125%
HK$73,152
baseline
▲ 0.50% · 4.625%
HK$77,603
+HK$4,451/mo
Deposit HK$6.47M · loan HK$15.09M · min. income ≈ HK$146,304/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$906,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,579
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$78,632
−HK$2,084/mo
Today · 4.125%
HK$80,716
baseline
▲ 0.50% · 4.625%
HK$84,971
+HK$4,255/mo
Deposit HK$6.47M · loan HK$15.09M · min. income ≈ HK$161,432/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$906,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,503
−HK$5,549/mo
▼ 0.25% · 3.875%
HK$91,255
−HK$2,797/mo
Today · 4.125%
HK$94,052
baseline
▲ 0.50% · 4.625%
HK$99,775
+HK$5,723/mo
Deposit HK$2.16M · loan HK$19.41M · min. income ≈ HK$188,104/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$906,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,458
−HK$5,320/mo
▼ 0.25% · 3.875%
HK$101,099
−HK$2,679/mo
Today · 4.125%
HK$103,778
baseline
▲ 0.50% · 4.625%
HK$109,248
+HK$5,470/mo
Deposit HK$2.16M · loan HK$19.41M · min. income ≈ HK$207,556/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$906,252 · Scale 2, in force from 26 Feb 2026)