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$47,981
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$49,474
−HK$1,516/mo
Today · 4.125%
HK$50,990
baseline
▲ 0.50% · 4.625%
HK$54,092
+HK$3,102/mo
Deposit HK$10.52M · loan HK$10.52M · min. income ≈ HK$101,980/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$854,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,378
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$54,810
−HK$1,452/mo
Today · 4.125%
HK$56,262
baseline
▲ 0.50% · 4.625%
HK$59,228
+HK$2,966/mo
Deposit HK$10.52M · loan HK$10.52M · min. income ≈ HK$112,524/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$854,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,577
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$59,368
−HK$1,820/mo
Today · 4.125%
HK$61,188
baseline
▲ 0.50% · 4.625%
HK$64,911
+HK$3,723/mo
Deposit HK$8.42M · loan HK$12.63M · min. income ≈ HK$122,376/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$854,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,054
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$65,772
−HK$1,743/mo
Today · 4.125%
HK$67,515
baseline
▲ 0.50% · 4.625%
HK$71,074
+HK$3,559/mo
Deposit HK$8.42M · loan HK$12.63M · min. income ≈ HK$135,030/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$854,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,173
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$69,263
−HK$2,123/mo
Today · 4.125%
HK$71,386
baseline
▲ 0.50% · 4.625%
HK$75,729
+HK$4,343/mo
Deposit HK$6.31M · loan HK$14.73M · min. income ≈ HK$142,772/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$854,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,730
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$76,734
−HK$2,033/mo
Today · 4.125%
HK$78,767
baseline
▲ 0.50% · 4.625%
HK$82,919
+HK$4,152/mo
Deposit HK$6.31M · loan HK$14.73M · min. income ≈ HK$157,534/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$854,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,366
−HK$5,416/mo
▼ 0.25% · 3.875%
HK$89,052
−HK$2,730/mo
Today · 4.125%
HK$91,782
baseline
▲ 0.50% · 4.625%
HK$97,366
+HK$5,584/mo
Deposit HK$2.10M · loan HK$18.94M · min. income ≈ HK$183,564/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$854,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,081
−HK$5,191/mo
▼ 0.25% · 3.875%
HK$98,658
−HK$2,614/mo
Today · 4.125%
HK$101,272
baseline
▲ 0.50% · 4.625%
HK$106,610
+HK$5,338/mo
Deposit HK$2.10M · loan HK$18.94M · min. income ≈ HK$202,544/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$854,196 · Scale 2, in force from 26 Feb 2026)