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$48,219
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$49,718
−HK$1,524/mo
Today · 4.125%
HK$51,242
baseline
▲ 0.50% · 4.625%
HK$54,360
+HK$3,118/mo
Deposit HK$10.57M · loan HK$10.57M · min. income ≈ HK$102,484/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$864,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,643
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$55,081
−HK$1,460/mo
Today · 4.125%
HK$56,541
baseline
▲ 0.50% · 4.625%
HK$59,521
+HK$2,980/mo
Deposit HK$10.57M · loan HK$10.57M · min. income ≈ HK$113,082/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$864,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,862
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$59,662
−HK$1,829/mo
Today · 4.125%
HK$61,491
baseline
▲ 0.50% · 4.625%
HK$65,232
+HK$3,741/mo
Deposit HK$8.46M · loan HK$12.69M · min. income ≈ HK$122,982/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$864,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,371
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$66,098
−HK$1,751/mo
Today · 4.125%
HK$67,849
baseline
▲ 0.50% · 4.625%
HK$71,425
+HK$3,576/mo
Deposit HK$8.46M · loan HK$12.69M · min. income ≈ HK$135,698/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$864,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,506
−HK$4,233/mo
▼ 0.25% · 3.875%
HK$69,606
−HK$2,133/mo
Today · 4.125%
HK$71,739
baseline
▲ 0.50% · 4.625%
HK$76,104
+HK$4,365/mo
Deposit HK$6.34M · loan HK$14.80M · min. income ≈ HK$143,478/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$864,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,100
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$77,114
−HK$2,043/mo
Today · 4.125%
HK$79,157
baseline
▲ 0.50% · 4.625%
HK$83,330
+HK$4,173/mo
Deposit HK$6.34M · loan HK$14.80M · min. income ≈ HK$158,314/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$864,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,794
−HK$5,442/mo
▼ 0.25% · 3.875%
HK$89,493
−HK$2,743/mo
Today · 4.125%
HK$92,236
baseline
▲ 0.50% · 4.625%
HK$97,849
+HK$5,613/mo
Deposit HK$2.11M · loan HK$19.03M · min. income ≈ HK$184,472/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$864,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,557
−HK$5,217/mo
▼ 0.25% · 3.875%
HK$99,147
−HK$2,627/mo
Today · 4.125%
HK$101,774
baseline
▲ 0.50% · 4.625%
HK$107,138
+HK$5,364/mo
Deposit HK$2.11M · loan HK$19.03M · min. income ≈ HK$203,548/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$864,614 · Scale 2, in force from 26 Feb 2026)