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$48,694
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$50,209
−HK$1,539/mo
Today · 4.125%
HK$51,748
baseline
▲ 0.50% · 4.625%
HK$54,896
+HK$3,148/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$103,496/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$885,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,172
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$55,625
−HK$1,473/mo
Today · 4.125%
HK$57,098
baseline
▲ 0.50% · 4.625%
HK$60,108
+HK$3,010/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$114,196/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$885,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,433
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$60,251
−HK$1,846/mo
Today · 4.125%
HK$62,097
baseline
▲ 0.50% · 4.625%
HK$65,876
+HK$3,779/mo
Deposit HK$8.54M · loan HK$12.81M · min. income ≈ HK$124,194/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$885,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,006
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$66,750
−HK$1,768/mo
Today · 4.125%
HK$68,518
baseline
▲ 0.50% · 4.625%
HK$72,130
+HK$3,612/mo
Deposit HK$8.54M · loan HK$12.81M · min. income ≈ HK$137,036/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$885,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,172
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$70,292
−HK$2,155/mo
Today · 4.125%
HK$72,447
baseline
▲ 0.50% · 4.625%
HK$76,855
+HK$4,408/mo
Deposit HK$6.41M · loan HK$14.95M · min. income ≈ HK$144,894/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$885,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,840
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$77,874
−HK$2,064/mo
Today · 4.125%
HK$79,938
baseline
▲ 0.50% · 4.625%
HK$84,151
+HK$4,213/mo
Deposit HK$6.41M · loan HK$14.95M · min. income ≈ HK$159,876/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$885,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,649
−HK$5,497/mo
▼ 0.25% · 3.875%
HK$90,376
−HK$2,770/mo
Today · 4.125%
HK$93,146
baseline
▲ 0.50% · 4.625%
HK$98,814
+HK$5,668/mo
Deposit HK$2.14M · loan HK$19.22M · min. income ≈ HK$186,292/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$885,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,509
−HK$5,268/mo
▼ 0.25% · 3.875%
HK$100,124
−HK$2,653/mo
Today · 4.125%
HK$102,777
baseline
▲ 0.50% · 4.625%
HK$108,195
+HK$5,418/mo
Deposit HK$2.14M · loan HK$19.22M · min. income ≈ HK$205,554/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$885,468 · Scale 2, in force from 26 Feb 2026)