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$49,314
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$50,848
−HK$1,559/mo
Today · 4.125%
HK$52,407
baseline
▲ 0.50% · 4.625%
HK$55,595
+HK$3,188/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$104,814/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$912,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,862
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$56,333
−HK$1,493/mo
Today · 4.125%
HK$57,826
baseline
▲ 0.50% · 4.625%
HK$60,874
+HK$3,048/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$115,652/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$912,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,177
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$61,018
−HK$1,870/mo
Today · 4.125%
HK$62,888
baseline
▲ 0.50% · 4.625%
HK$66,715
+HK$3,827/mo
Deposit HK$8.65M · loan HK$12.98M · min. income ≈ HK$125,776/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$912,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,834
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$67,599
−HK$1,792/mo
Today · 4.125%
HK$69,391
baseline
▲ 0.50% · 4.625%
HK$73,048
+HK$3,657/mo
Deposit HK$8.65M · loan HK$12.98M · min. income ≈ HK$138,782/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$912,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,040
−HK$4,329/mo
▼ 0.25% · 3.875%
HK$71,187
−HK$2,182/mo
Today · 4.125%
HK$73,369
baseline
▲ 0.50% · 4.625%
HK$77,834
+HK$4,465/mo
Deposit HK$6.49M · loan HK$15.14M · min. income ≈ HK$146,738/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$912,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,806
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$78,866
−HK$2,090/mo
Today · 4.125%
HK$80,956
baseline
▲ 0.50% · 4.625%
HK$85,223
+HK$4,267/mo
Deposit HK$6.49M · loan HK$15.14M · min. income ≈ HK$161,912/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$912,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,766
−HK$5,566/mo
▼ 0.25% · 3.875%
HK$91,527
−HK$2,805/mo
Today · 4.125%
HK$94,332
baseline
▲ 0.50% · 4.625%
HK$100,072
+HK$5,740/mo
Deposit HK$2.16M · loan HK$19.46M · min. income ≈ HK$188,664/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$912,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,751
−HK$5,335/mo
▼ 0.25% · 3.875%
HK$101,399
−HK$2,687/mo
Today · 4.125%
HK$104,086
baseline
▲ 0.50% · 4.625%
HK$109,572
+HK$5,486/mo
Deposit HK$2.16M · loan HK$19.46M · min. income ≈ HK$208,172/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$912,660 · Scale 2, in force from 26 Feb 2026)