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$47,959
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$49,451
−HK$1,515/mo
Today · 4.125%
HK$50,966
baseline
▲ 0.50% · 4.625%
HK$54,067
+HK$3,101/mo
Deposit HK$10.52M · loan HK$10.52M · min. income ≈ HK$101,932/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$853,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,354
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$54,785
−HK$1,451/mo
Today · 4.125%
HK$56,236
baseline
▲ 0.50% · 4.625%
HK$59,201
+HK$2,965/mo
Deposit HK$10.52M · loan HK$10.52M · min. income ≈ HK$112,472/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$853,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,551
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$59,341
−HK$1,818/mo
Today · 4.125%
HK$61,159
baseline
▲ 0.50% · 4.625%
HK$64,881
+HK$3,722/mo
Deposit HK$8.41M · loan HK$12.62M · min. income ≈ HK$122,318/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$853,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,024
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$65,742
−HK$1,741/mo
Today · 4.125%
HK$67,483
baseline
▲ 0.50% · 4.625%
HK$71,041
+HK$3,558/mo
Deposit HK$8.41M · loan HK$12.62M · min. income ≈ HK$134,966/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$853,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,142
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$69,231
−HK$2,122/mo
Today · 4.125%
HK$71,353
baseline
▲ 0.50% · 4.625%
HK$75,694
+HK$4,341/mo
Deposit HK$6.31M · loan HK$14.72M · min. income ≈ HK$142,706/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$853,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,695
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$76,698
−HK$2,033/mo
Today · 4.125%
HK$78,731
baseline
▲ 0.50% · 4.625%
HK$82,881
+HK$4,150/mo
Deposit HK$6.31M · loan HK$14.72M · min. income ≈ HK$157,462/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$853,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,326
−HK$5,413/mo
▼ 0.25% · 3.875%
HK$89,011
−HK$2,728/mo
Today · 4.125%
HK$91,739
baseline
▲ 0.50% · 4.625%
HK$97,321
+HK$5,582/mo
Deposit HK$2.10M · loan HK$18.93M · min. income ≈ HK$183,478/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$853,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,037
−HK$5,188/mo
▼ 0.25% · 3.875%
HK$98,612
−HK$2,613/mo
Today · 4.125%
HK$101,225
baseline
▲ 0.50% · 4.625%
HK$106,561
+HK$5,336/mo
Deposit HK$2.10M · loan HK$18.93M · min. income ≈ HK$202,450/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$853,220 · Scale 2, in force from 26 Feb 2026)