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$48,395
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$49,900
−HK$1,530/mo
Today · 4.125%
HK$51,430
baseline
▲ 0.50% · 4.625%
HK$54,559
+HK$3,129/mo
Deposit HK$10.61M · loan HK$10.61M · min. income ≈ HK$102,860/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$872,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,839
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$55,283
−HK$1,464/mo
Today · 4.125%
HK$56,747
baseline
▲ 0.50% · 4.625%
HK$59,739
+HK$2,992/mo
Deposit HK$10.61M · loan HK$10.61M · min. income ≈ HK$113,494/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$872,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,074
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$59,880
−HK$1,836/mo
Today · 4.125%
HK$61,716
baseline
▲ 0.50% · 4.625%
HK$65,471
+HK$3,755/mo
Deposit HK$8.49M · loan HK$12.73M · min. income ≈ HK$123,432/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$872,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,606
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$66,339
−HK$1,758/mo
Today · 4.125%
HK$68,097
baseline
▲ 0.50% · 4.625%
HK$71,686
+HK$3,589/mo
Deposit HK$8.49M · loan HK$12.73M · min. income ≈ HK$136,194/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$872,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,753
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$69,860
−HK$2,141/mo
Today · 4.125%
HK$72,001
baseline
▲ 0.50% · 4.625%
HK$76,383
+HK$4,382/mo
Deposit HK$6.37M · loan HK$14.86M · min. income ≈ HK$144,002/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$872,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,374
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$77,396
−HK$2,050/mo
Today · 4.125%
HK$79,446
baseline
▲ 0.50% · 4.625%
HK$83,634
+HK$4,188/mo
Deposit HK$6.37M · loan HK$14.86M · min. income ≈ HK$158,892/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$872,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,111
−HK$5,462/mo
▼ 0.25% · 3.875%
HK$89,820
−HK$2,753/mo
Today · 4.125%
HK$92,573
baseline
▲ 0.50% · 4.625%
HK$98,206
+HK$5,633/mo
Deposit HK$2.12M · loan HK$19.10M · min. income ≈ HK$185,146/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$872,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,910
−HK$5,235/mo
▼ 0.25% · 3.875%
HK$99,509
−HK$2,636/mo
Today · 4.125%
HK$102,145
baseline
▲ 0.50% · 4.625%
HK$107,530
+HK$5,385/mo
Deposit HK$2.12M · loan HK$19.10M · min. income ≈ HK$204,290/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$872,341 · Scale 2, in force from 26 Feb 2026)