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$47,950
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$49,442
−HK$1,515/mo
Today · 4.125%
HK$50,957
baseline
▲ 0.50% · 4.625%
HK$54,058
+HK$3,101/mo
Deposit HK$10.51M · loan HK$10.51M · min. income ≈ HK$101,914/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$852,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,344
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$54,775
−HK$1,451/mo
Today · 4.125%
HK$56,226
baseline
▲ 0.50% · 4.625%
HK$59,190
+HK$2,964/mo
Deposit HK$10.51M · loan HK$10.51M · min. income ≈ HK$112,452/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$852,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,540
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$59,330
−HK$1,819/mo
Today · 4.125%
HK$61,149
baseline
▲ 0.50% · 4.625%
HK$64,869
+HK$3,720/mo
Deposit HK$8.41M · loan HK$12.62M · min. income ≈ HK$122,298/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$852,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,013
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$65,730
−HK$1,741/mo
Today · 4.125%
HK$67,471
baseline
▲ 0.50% · 4.625%
HK$71,028
+HK$3,557/mo
Deposit HK$8.41M · loan HK$12.62M · min. income ≈ HK$134,942/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$852,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,130
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$69,218
−HK$2,122/mo
Today · 4.125%
HK$71,340
baseline
▲ 0.50% · 4.625%
HK$75,681
+HK$4,341/mo
Deposit HK$6.31M · loan HK$14.72M · min. income ≈ HK$142,680/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$852,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,682
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$76,685
−HK$2,032/mo
Today · 4.125%
HK$78,717
baseline
▲ 0.50% · 4.625%
HK$82,866
+HK$4,149/mo
Deposit HK$6.31M · loan HK$14.72M · min. income ≈ HK$157,434/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$852,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,310
−HK$5,413/mo
▼ 0.25% · 3.875%
HK$88,995
−HK$2,728/mo
Today · 4.125%
HK$91,723
baseline
▲ 0.50% · 4.625%
HK$97,304
+HK$5,581/mo
Deposit HK$2.10M · loan HK$18.93M · min. income ≈ HK$183,446/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$852,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,019
−HK$5,188/mo
▼ 0.25% · 3.875%
HK$98,595
−HK$2,612/mo
Today · 4.125%
HK$101,207
baseline
▲ 0.50% · 4.625%
HK$106,542
+HK$5,335/mo
Deposit HK$2.10M · loan HK$18.93M · min. income ≈ HK$202,414/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$852,845 · Scale 2, in force from 26 Feb 2026)