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$49,279
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$50,812
−HK$1,557/mo
Today · 4.125%
HK$52,369
baseline
▲ 0.50% · 4.625%
HK$55,555
+HK$3,186/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$104,738/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$911,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,822
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$56,292
−HK$1,492/mo
Today · 4.125%
HK$57,784
baseline
▲ 0.50% · 4.625%
HK$60,830
+HK$3,046/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$115,568/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$911,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,134
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$60,974
−HK$1,869/mo
Today · 4.125%
HK$62,843
baseline
▲ 0.50% · 4.625%
HK$66,667
+HK$3,824/mo
Deposit HK$8.64M · loan HK$12.97M · min. income ≈ HK$125,686/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$911,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,787
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$67,551
−HK$1,790/mo
Today · 4.125%
HK$69,341
baseline
▲ 0.50% · 4.625%
HK$72,996
+HK$3,655/mo
Deposit HK$8.64M · loan HK$12.97M · min. income ≈ HK$138,682/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$911,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,990
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$71,136
−HK$2,181/mo
Today · 4.125%
HK$73,317
baseline
▲ 0.50% · 4.625%
HK$77,778
+HK$4,461/mo
Deposit HK$6.48M · loan HK$15.13M · min. income ≈ HK$146,634/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$911,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,751
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$78,809
−HK$2,089/mo
Today · 4.125%
HK$80,898
baseline
▲ 0.50% · 4.625%
HK$85,162
+HK$4,264/mo
Deposit HK$6.48M · loan HK$15.13M · min. income ≈ HK$161,796/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$911,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,702
−HK$5,562/mo
▼ 0.25% · 3.875%
HK$91,461
−HK$2,803/mo
Today · 4.125%
HK$94,264
baseline
▲ 0.50% · 4.625%
HK$100,000
+HK$5,736/mo
Deposit HK$2.16M · loan HK$19.45M · min. income ≈ HK$188,528/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$911,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,680
−HK$5,331/mo
▼ 0.25% · 3.875%
HK$101,326
−HK$2,685/mo
Today · 4.125%
HK$104,011
baseline
▲ 0.50% · 4.625%
HK$109,494
+HK$5,483/mo
Deposit HK$2.16M · loan HK$19.45M · min. income ≈ HK$208,022/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$911,106 · Scale 2, in force from 26 Feb 2026)