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$48,484
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$49,992
−HK$1,532/mo
Today · 4.125%
HK$51,524
baseline
▲ 0.50% · 4.625%
HK$54,659
+HK$3,135/mo
Deposit HK$10.63M · loan HK$10.63M · min. income ≈ HK$103,048/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$876,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,938
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$55,384
−HK$1,468/mo
Today · 4.125%
HK$56,852
baseline
▲ 0.50% · 4.625%
HK$59,848
+HK$2,996/mo
Deposit HK$10.63M · loan HK$10.63M · min. income ≈ HK$113,704/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$876,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,180
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$59,990
−HK$1,839/mo
Today · 4.125%
HK$61,829
baseline
▲ 0.50% · 4.625%
HK$65,591
+HK$3,762/mo
Deposit HK$8.50M · loan HK$12.76M · min. income ≈ HK$123,658/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$876,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,725
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$66,461
−HK$1,761/mo
Today · 4.125%
HK$68,222
baseline
▲ 0.50% · 4.625%
HK$71,818
+HK$3,596/mo
Deposit HK$8.50M · loan HK$12.76M · min. income ≈ HK$136,444/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$876,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,877
−HK$4,257/mo
▼ 0.25% · 3.875%
HK$69,989
−HK$2,145/mo
Today · 4.125%
HK$72,134
baseline
▲ 0.50% · 4.625%
HK$76,523
+HK$4,389/mo
Deposit HK$6.38M · loan HK$14.88M · min. income ≈ HK$144,268/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$876,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,513
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$77,538
−HK$2,054/mo
Today · 4.125%
HK$79,592
baseline
▲ 0.50% · 4.625%
HK$83,788
+HK$4,196/mo
Deposit HK$6.38M · loan HK$14.88M · min. income ≈ HK$159,184/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$876,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,271
−HK$5,472/mo
▼ 0.25% · 3.875%
HK$89,985
−HK$2,758/mo
Today · 4.125%
HK$92,743
baseline
▲ 0.50% · 4.625%
HK$98,386
+HK$5,643/mo
Deposit HK$2.13M · loan HK$19.14M · min. income ≈ HK$185,486/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$876,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,088
−HK$5,245/mo
▼ 0.25% · 3.875%
HK$99,692
−HK$2,641/mo
Today · 4.125%
HK$102,333
baseline
▲ 0.50% · 4.625%
HK$107,727
+HK$5,394/mo
Deposit HK$2.13M · loan HK$19.14M · min. income ≈ HK$204,666/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$876,239 · Scale 2, in force from 26 Feb 2026)