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$49,200
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$50,730
−HK$1,555/mo
Today · 4.125%
HK$52,285
baseline
▲ 0.50% · 4.625%
HK$55,466
+HK$3,181/mo
Deposit HK$10.79M · loan HK$10.79M · min. income ≈ HK$104,570/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$907,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,734
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$56,202
−HK$1,489/mo
Today · 4.125%
HK$57,691
baseline
▲ 0.50% · 4.625%
HK$60,732
+HK$3,041/mo
Deposit HK$10.79M · loan HK$10.79M · min. income ≈ HK$115,382/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$907,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,040
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$60,876
−HK$1,866/mo
Today · 4.125%
HK$62,742
baseline
▲ 0.50% · 4.625%
HK$66,560
+HK$3,818/mo
Deposit HK$8.63M · loan HK$12.95M · min. income ≈ HK$125,484/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$907,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,681
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$67,443
−HK$1,787/mo
Today · 4.125%
HK$69,230
baseline
▲ 0.50% · 4.625%
HK$72,879
+HK$3,649/mo
Deposit HK$8.63M · loan HK$12.95M · min. income ≈ HK$138,460/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$907,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,880
−HK$4,319/mo
▼ 0.25% · 3.875%
HK$71,022
−HK$2,177/mo
Today · 4.125%
HK$73,199
baseline
▲ 0.50% · 4.625%
HK$77,653
+HK$4,454/mo
Deposit HK$6.47M · loan HK$15.10M · min. income ≈ HK$146,398/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$907,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,628
−HK$4,140/mo
▼ 0.25% · 3.875%
HK$78,683
−HK$2,085/mo
Today · 4.125%
HK$80,768
baseline
▲ 0.50% · 4.625%
HK$85,025
+HK$4,257/mo
Deposit HK$6.47M · loan HK$15.10M · min. income ≈ HK$161,536/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$907,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,560
−HK$5,553/mo
▼ 0.25% · 3.875%
HK$91,314
−HK$2,799/mo
Today · 4.125%
HK$94,113
baseline
▲ 0.50% · 4.625%
HK$99,840
+HK$5,727/mo
Deposit HK$2.16M · loan HK$19.42M · min. income ≈ HK$188,226/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$907,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,522
−HK$5,323/mo
▼ 0.25% · 3.875%
HK$101,164
−HK$2,681/mo
Today · 4.125%
HK$103,845
baseline
▲ 0.50% · 4.625%
HK$109,318
+HK$5,473/mo
Deposit HK$2.16M · loan HK$19.42M · min. income ≈ HK$207,690/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$907,643 · Scale 2, in force from 26 Feb 2026)