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$48,535
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$50,044
−HK$1,534/mo
Today · 4.125%
HK$51,578
baseline
▲ 0.50% · 4.625%
HK$54,717
+HK$3,139/mo
Deposit HK$10.64M · loan HK$10.64M · min. income ≈ HK$103,156/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$878,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,994
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$55,443
−HK$1,469/mo
Today · 4.125%
HK$56,912
baseline
▲ 0.50% · 4.625%
HK$59,911
+HK$2,999/mo
Deposit HK$10.64M · loan HK$10.64M · min. income ≈ HK$113,824/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$878,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,242
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$60,053
−HK$1,841/mo
Today · 4.125%
HK$61,894
baseline
▲ 0.50% · 4.625%
HK$65,660
+HK$3,766/mo
Deposit HK$8.51M · loan HK$12.77M · min. income ≈ HK$123,788/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$878,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,793
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$66,531
−HK$1,763/mo
Today · 4.125%
HK$68,294
baseline
▲ 0.50% · 4.625%
HK$71,894
+HK$3,600/mo
Deposit HK$8.51M · loan HK$12.77M · min. income ≈ HK$136,588/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$878,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,949
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$70,062
−HK$2,148/mo
Today · 4.125%
HK$72,210
baseline
▲ 0.50% · 4.625%
HK$76,603
+HK$4,393/mo
Deposit HK$6.39M · loan HK$14.90M · min. income ≈ HK$144,420/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$878,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,592
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$77,620
−HK$2,056/mo
Today · 4.125%
HK$79,676
baseline
▲ 0.50% · 4.625%
HK$83,876
+HK$4,200/mo
Deposit HK$6.39M · loan HK$14.90M · min. income ≈ HK$159,352/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$878,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,363
−HK$5,478/mo
▼ 0.25% · 3.875%
HK$90,080
−HK$2,761/mo
Today · 4.125%
HK$92,841
baseline
▲ 0.50% · 4.625%
HK$98,490
+HK$5,649/mo
Deposit HK$2.13M · loan HK$19.16M · min. income ≈ HK$185,682/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$878,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,190
−HK$5,251/mo
▼ 0.25% · 3.875%
HK$99,797
−HK$2,644/mo
Today · 4.125%
HK$102,441
baseline
▲ 0.50% · 4.625%
HK$107,841
+HK$5,400/mo
Deposit HK$2.13M · loan HK$19.16M · min. income ≈ HK$204,882/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$878,477 · Scale 2, in force from 26 Feb 2026)