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$48,718
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$50,234
−HK$1,540/mo
Today · 4.125%
HK$51,774
baseline
▲ 0.50% · 4.625%
HK$54,924
+HK$3,150/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$103,548/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$886,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,199
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$55,652
−HK$1,475/mo
Today · 4.125%
HK$57,127
baseline
▲ 0.50% · 4.625%
HK$60,138
+HK$3,011/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$114,254/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$886,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,462
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$60,281
−HK$1,847/mo
Today · 4.125%
HK$62,128
baseline
▲ 0.50% · 4.625%
HK$65,909
+HK$3,781/mo
Deposit HK$8.55M · loan HK$12.82M · min. income ≈ HK$124,256/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$886,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,039
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$66,783
−HK$1,769/mo
Today · 4.125%
HK$68,552
baseline
▲ 0.50% · 4.625%
HK$72,166
+HK$3,614/mo
Deposit HK$8.55M · loan HK$12.82M · min. income ≈ HK$137,104/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$886,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,206
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$70,327
−HK$2,156/mo
Today · 4.125%
HK$72,483
baseline
▲ 0.50% · 4.625%
HK$76,893
+HK$4,410/mo
Deposit HK$6.41M · loan HK$14.96M · min. income ≈ HK$144,966/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$886,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,878
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$77,913
−HK$2,065/mo
Today · 4.125%
HK$79,978
baseline
▲ 0.50% · 4.625%
HK$84,194
+HK$4,216/mo
Deposit HK$6.41M · loan HK$14.96M · min. income ≈ HK$159,956/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$886,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,693
−HK$5,499/mo
▼ 0.25% · 3.875%
HK$90,421
−HK$2,771/mo
Today · 4.125%
HK$93,192
baseline
▲ 0.50% · 4.625%
HK$98,863
+HK$5,671/mo
Deposit HK$2.14M · loan HK$19.23M · min. income ≈ HK$186,384/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$886,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,558
−HK$5,271/mo
▼ 0.25% · 3.875%
HK$100,174
−HK$2,655/mo
Today · 4.125%
HK$102,829
baseline
▲ 0.50% · 4.625%
HK$108,249
+HK$5,420/mo
Deposit HK$2.14M · loan HK$19.23M · min. income ≈ HK$205,658/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$886,534 · Scale 2, in force from 26 Feb 2026)