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$48,989
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$50,513
−HK$1,548/mo
Today · 4.125%
HK$52,061
baseline
▲ 0.50% · 4.625%
HK$55,229
+HK$3,168/mo
Deposit HK$10.74M · loan HK$10.74M · min. income ≈ HK$104,122/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$898,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,500
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$55,961
−HK$1,483/mo
Today · 4.125%
HK$57,444
baseline
▲ 0.50% · 4.625%
HK$60,472
+HK$3,028/mo
Deposit HK$10.74M · loan HK$10.74M · min. income ≈ HK$114,888/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$898,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,787
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$60,615
−HK$1,858/mo
Today · 4.125%
HK$62,473
baseline
▲ 0.50% · 4.625%
HK$66,274
+HK$3,801/mo
Deposit HK$8.59M · loan HK$12.89M · min. income ≈ HK$124,946/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$898,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,400
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$67,154
−HK$1,779/mo
Today · 4.125%
HK$68,933
baseline
▲ 0.50% · 4.625%
HK$72,566
+HK$3,633/mo
Deposit HK$8.59M · loan HK$12.89M · min. income ≈ HK$137,866/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$898,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,584
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$70,718
−HK$2,167/mo
Today · 4.125%
HK$72,885
baseline
▲ 0.50% · 4.625%
HK$77,320
+HK$4,435/mo
Deposit HK$6.45M · loan HK$15.04M · min. income ≈ HK$145,770/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$898,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,300
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$78,346
−HK$2,076/mo
Today · 4.125%
HK$80,422
baseline
▲ 0.50% · 4.625%
HK$84,661
+HK$4,239/mo
Deposit HK$6.45M · loan HK$15.04M · min. income ≈ HK$160,844/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$898,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,180
−HK$5,530/mo
▼ 0.25% · 3.875%
HK$90,923
−HK$2,787/mo
Today · 4.125%
HK$93,710
baseline
▲ 0.50% · 4.625%
HK$99,412
+HK$5,702/mo
Deposit HK$2.15M · loan HK$19.34M · min. income ≈ HK$187,420/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$898,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,099
−HK$5,300/mo
▼ 0.25% · 3.875%
HK$100,730
−HK$2,669/mo
Today · 4.125%
HK$103,399
baseline
▲ 0.50% · 4.625%
HK$108,850
+HK$5,451/mo
Deposit HK$2.15M · loan HK$19.34M · min. income ≈ HK$206,798/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$898,394 · Scale 2, in force from 26 Feb 2026)