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$49,298
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$50,831
−HK$1,558/mo
Today · 4.125%
HK$52,389
baseline
▲ 0.50% · 4.625%
HK$55,577
+HK$3,188/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$104,778/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$911,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,843
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$56,314
−HK$1,492/mo
Today · 4.125%
HK$57,806
baseline
▲ 0.50% · 4.625%
HK$60,853
+HK$3,047/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$115,612/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$911,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,157
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$60,997
−HK$1,870/mo
Today · 4.125%
HK$62,867
baseline
▲ 0.50% · 4.625%
HK$66,692
+HK$3,825/mo
Deposit HK$8.65M · loan HK$12.97M · min. income ≈ HK$125,734/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$911,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,812
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$67,577
−HK$1,790/mo
Today · 4.125%
HK$69,367
baseline
▲ 0.50% · 4.625%
HK$73,024
+HK$3,657/mo
Deposit HK$8.65M · loan HK$12.97M · min. income ≈ HK$138,734/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$911,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,017
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$71,164
−HK$2,181/mo
Today · 4.125%
HK$73,345
baseline
▲ 0.50% · 4.625%
HK$77,808
+HK$4,463/mo
Deposit HK$6.49M · loan HK$15.13M · min. income ≈ HK$146,690/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$911,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,780
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$78,840
−HK$2,089/mo
Today · 4.125%
HK$80,929
baseline
▲ 0.50% · 4.625%
HK$85,194
+HK$4,265/mo
Deposit HK$6.49M · loan HK$15.13M · min. income ≈ HK$161,858/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$911,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,736
−HK$5,564/mo
▼ 0.25% · 3.875%
HK$91,496
−HK$2,804/mo
Today · 4.125%
HK$94,300
baseline
▲ 0.50% · 4.625%
HK$100,038
+HK$5,738/mo
Deposit HK$2.16M · loan HK$19.46M · min. income ≈ HK$188,600/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$911,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,718
−HK$5,333/mo
▼ 0.25% · 3.875%
HK$101,365
−HK$2,686/mo
Today · 4.125%
HK$104,051
baseline
▲ 0.50% · 4.625%
HK$109,536
+HK$5,485/mo
Deposit HK$2.16M · loan HK$19.46M · min. income ≈ HK$208,102/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$911,935 · Scale 2, in force from 26 Feb 2026)