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$48,684
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$50,198
−HK$1,539/mo
Today · 4.125%
HK$51,737
baseline
▲ 0.50% · 4.625%
HK$54,885
+HK$3,148/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$103,474/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$885,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,160
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$55,613
−HK$1,474/mo
Today · 4.125%
HK$57,087
baseline
▲ 0.50% · 4.625%
HK$60,096
+HK$3,009/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$114,174/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$885,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,421
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$60,238
−HK$1,846/mo
Today · 4.125%
HK$62,084
baseline
▲ 0.50% · 4.625%
HK$65,862
+HK$3,778/mo
Deposit HK$8.54M · loan HK$12.81M · min. income ≈ HK$124,168/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$885,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,993
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$66,736
−HK$1,768/mo
Today · 4.125%
HK$68,504
baseline
▲ 0.50% · 4.625%
HK$72,115
+HK$3,611/mo
Deposit HK$8.54M · loan HK$12.81M · min. income ≈ HK$137,008/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$885,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,158
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$70,278
−HK$2,154/mo
Today · 4.125%
HK$72,432
baseline
▲ 0.50% · 4.625%
HK$76,839
+HK$4,407/mo
Deposit HK$6.41M · loan HK$14.95M · min. income ≈ HK$144,864/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$885,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,825
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$77,858
−HK$2,063/mo
Today · 4.125%
HK$79,921
baseline
▲ 0.50% · 4.625%
HK$84,134
+HK$4,213/mo
Deposit HK$6.41M · loan HK$14.95M · min. income ≈ HK$159,842/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$885,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,631
−HK$5,495/mo
▼ 0.25% · 3.875%
HK$90,357
−HK$2,769/mo
Today · 4.125%
HK$93,126
baseline
▲ 0.50% · 4.625%
HK$98,793
+HK$5,667/mo
Deposit HK$2.14M · loan HK$19.22M · min. income ≈ HK$186,252/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$885,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,489
−HK$5,267/mo
▼ 0.25% · 3.875%
HK$100,103
−HK$2,653/mo
Today · 4.125%
HK$102,756
baseline
▲ 0.50% · 4.625%
HK$108,172
+HK$5,416/mo
Deposit HK$2.14M · loan HK$19.22M · min. income ≈ HK$205,512/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$885,025 · Scale 2, in force from 26 Feb 2026)