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$49,063
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$50,589
−HK$1,550/mo
Today · 4.125%
HK$52,139
baseline
▲ 0.50% · 4.625%
HK$55,312
+HK$3,173/mo
Deposit HK$10.76M · loan HK$10.76M · min. income ≈ HK$104,278/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$901,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,582
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$56,045
−HK$1,486/mo
Today · 4.125%
HK$57,531
baseline
▲ 0.50% · 4.625%
HK$60,563
+HK$3,032/mo
Deposit HK$10.76M · loan HK$10.76M · min. income ≈ HK$115,062/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$901,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,875
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$60,706
−HK$1,861/mo
Today · 4.125%
HK$62,567
baseline
▲ 0.50% · 4.625%
HK$66,374
+HK$3,807/mo
Deposit HK$8.61M · loan HK$12.91M · min. income ≈ HK$125,134/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$901,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,498
−HK$3,539/mo
▼ 0.25% · 3.875%
HK$67,255
−HK$1,782/mo
Today · 4.125%
HK$69,037
baseline
▲ 0.50% · 4.625%
HK$72,676
+HK$3,639/mo
Deposit HK$8.61M · loan HK$12.91M · min. income ≈ HK$138,074/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$901,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,688
−HK$4,307/mo
▼ 0.25% · 3.875%
HK$70,824
−HK$2,171/mo
Today · 4.125%
HK$72,995
baseline
▲ 0.50% · 4.625%
HK$77,437
+HK$4,442/mo
Deposit HK$6.45M · loan HK$15.06M · min. income ≈ HK$145,990/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$901,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,414
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$78,464
−HK$2,079/mo
Today · 4.125%
HK$80,543
baseline
▲ 0.50% · 4.625%
HK$84,788
+HK$4,245/mo
Deposit HK$6.45M · loan HK$15.06M · min. income ≈ HK$161,086/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$901,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,313
−HK$5,538/mo
▼ 0.25% · 3.875%
HK$91,060
−HK$2,791/mo
Today · 4.125%
HK$93,851
baseline
▲ 0.50% · 4.625%
HK$99,561
+HK$5,710/mo
Deposit HK$2.15M · loan HK$19.36M · min. income ≈ HK$187,702/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$901,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,247
−HK$5,308/mo
▼ 0.25% · 3.875%
HK$100,882
−HK$2,673/mo
Today · 4.125%
HK$103,555
baseline
▲ 0.50% · 4.625%
HK$109,013
+HK$5,458/mo
Deposit HK$2.15M · loan HK$19.36M · min. income ≈ HK$207,110/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$901,627 · Scale 2, in force from 26 Feb 2026)