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$48,526
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$50,035
−HK$1,534/mo
Today · 4.125%
HK$51,569
baseline
▲ 0.50% · 4.625%
HK$54,707
+HK$3,138/mo
Deposit HK$10.64M · loan HK$10.64M · min. income ≈ HK$103,138/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$878,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,984
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$55,432
−HK$1,469/mo
Today · 4.125%
HK$56,901
baseline
▲ 0.50% · 4.625%
HK$59,900
+HK$2,999/mo
Deposit HK$10.64M · loan HK$10.64M · min. income ≈ HK$113,802/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$878,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,231
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$60,042
−HK$1,840/mo
Today · 4.125%
HK$61,882
baseline
▲ 0.50% · 4.625%
HK$65,648
+HK$3,766/mo
Deposit HK$8.51M · loan HK$12.77M · min. income ≈ HK$123,764/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$878,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,781
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$66,519
−HK$1,762/mo
Today · 4.125%
HK$68,281
baseline
▲ 0.50% · 4.625%
HK$71,880
+HK$3,599/mo
Deposit HK$8.51M · loan HK$12.77M · min. income ≈ HK$136,562/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$878,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,936
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$70,049
−HK$2,147/mo
Today · 4.125%
HK$72,196
baseline
▲ 0.50% · 4.625%
HK$76,589
+HK$4,393/mo
Deposit HK$6.38M · loan HK$14.90M · min. income ≈ HK$144,392/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$878,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,578
−HK$4,083/mo
▼ 0.25% · 3.875%
HK$77,605
−HK$2,056/mo
Today · 4.125%
HK$79,661
baseline
▲ 0.50% · 4.625%
HK$83,860
+HK$4,199/mo
Deposit HK$6.38M · loan HK$14.90M · min. income ≈ HK$159,322/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$878,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,346
−HK$5,478/mo
▼ 0.25% · 3.875%
HK$90,063
−HK$2,761/mo
Today · 4.125%
HK$92,824
baseline
▲ 0.50% · 4.625%
HK$98,472
+HK$5,648/mo
Deposit HK$2.13M · loan HK$19.15M · min. income ≈ HK$185,648/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$878,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,172
−HK$5,250/mo
▼ 0.25% · 3.875%
HK$99,778
−HK$2,644/mo
Today · 4.125%
HK$102,422
baseline
▲ 0.50% · 4.625%
HK$107,821
+HK$5,399/mo
Deposit HK$2.13M · loan HK$19.15M · min. income ≈ HK$204,844/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$878,082 · Scale 2, in force from 26 Feb 2026)