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$49,277
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$50,809
−HK$1,558/mo
Today · 4.125%
HK$52,367
baseline
▲ 0.50% · 4.625%
HK$55,553
+HK$3,186/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$104,734/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$911,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,820
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$56,290
−HK$1,491/mo
Today · 4.125%
HK$57,781
baseline
▲ 0.50% · 4.625%
HK$60,827
+HK$3,046/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$115,562/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$911,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,132
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$60,971
−HK$1,869/mo
Today · 4.125%
HK$62,840
baseline
▲ 0.50% · 4.625%
HK$66,664
+HK$3,824/mo
Deposit HK$8.64M · loan HK$12.97M · min. income ≈ HK$125,680/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$911,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,784
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$67,548
−HK$1,790/mo
Today · 4.125%
HK$69,338
baseline
▲ 0.50% · 4.625%
HK$72,993
+HK$3,655/mo
Deposit HK$8.64M · loan HK$12.97M · min. income ≈ HK$138,676/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$911,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,987
−HK$4,326/mo
▼ 0.25% · 3.875%
HK$71,133
−HK$2,180/mo
Today · 4.125%
HK$73,313
baseline
▲ 0.50% · 4.625%
HK$77,774
+HK$4,461/mo
Deposit HK$6.48M · loan HK$15.13M · min. income ≈ HK$146,626/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$911,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,748
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$78,806
−HK$2,088/mo
Today · 4.125%
HK$80,894
baseline
▲ 0.50% · 4.625%
HK$85,158
+HK$4,264/mo
Deposit HK$6.48M · loan HK$15.13M · min. income ≈ HK$161,788/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$911,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,698
−HK$5,562/mo
▼ 0.25% · 3.875%
HK$91,457
−HK$2,803/mo
Today · 4.125%
HK$94,260
baseline
▲ 0.50% · 4.625%
HK$99,995
+HK$5,735/mo
Deposit HK$2.16M · loan HK$19.45M · min. income ≈ HK$188,520/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$911,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,675
−HK$5,332/mo
▼ 0.25% · 3.875%
HK$101,322
−HK$2,685/mo
Today · 4.125%
HK$104,007
baseline
▲ 0.50% · 4.625%
HK$109,489
+HK$5,482/mo
Deposit HK$2.16M · loan HK$19.45M · min. income ≈ HK$208,014/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$911,011 · Scale 2, in force from 26 Feb 2026)