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$47,925
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$49,416
−HK$1,514/mo
Today · 4.125%
HK$50,930
baseline
▲ 0.50% · 4.625%
HK$54,029
+HK$3,099/mo
Deposit HK$10.51M · loan HK$10.51M · min. income ≈ HK$101,860/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$851,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,316
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$54,746
−HK$1,450/mo
Today · 4.125%
HK$56,196
baseline
▲ 0.50% · 4.625%
HK$59,159
+HK$2,963/mo
Deposit HK$10.51M · loan HK$10.51M · min. income ≈ HK$112,392/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$851,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,510
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$59,299
−HK$1,817/mo
Today · 4.125%
HK$61,116
baseline
▲ 0.50% · 4.625%
HK$64,835
+HK$3,719/mo
Deposit HK$8.41M · loan HK$12.61M · min. income ≈ HK$122,232/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$851,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,979
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$65,695
−HK$1,741/mo
Today · 4.125%
HK$67,436
baseline
▲ 0.50% · 4.625%
HK$70,990
+HK$3,554/mo
Deposit HK$8.41M · loan HK$12.61M · min. income ≈ HK$134,872/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$851,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,095
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$69,182
−HK$2,120/mo
Today · 4.125%
HK$71,302
baseline
▲ 0.50% · 4.625%
HK$75,641
+HK$4,339/mo
Deposit HK$6.31M · loan HK$14.71M · min. income ≈ HK$142,604/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$851,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,642
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$76,644
−HK$2,031/mo
Today · 4.125%
HK$78,675
baseline
▲ 0.50% · 4.625%
HK$82,822
+HK$4,147/mo
Deposit HK$6.31M · loan HK$14.71M · min. income ≈ HK$157,350/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$851,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,265
−HK$5,409/mo
▼ 0.25% · 3.875%
HK$88,948
−HK$2,726/mo
Today · 4.125%
HK$91,674
baseline
▲ 0.50% · 4.625%
HK$97,253
+HK$5,579/mo
Deposit HK$2.10M · loan HK$18.92M · min. income ≈ HK$183,348/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$851,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,969
−HK$5,185/mo
▼ 0.25% · 3.875%
HK$98,543
−HK$2,611/mo
Today · 4.125%
HK$101,154
baseline
▲ 0.50% · 4.625%
HK$106,486
+HK$5,332/mo
Deposit HK$2.10M · loan HK$18.92M · min. income ≈ HK$202,308/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$851,734 · Scale 2, in force from 26 Feb 2026)