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$49,173
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$50,703
−HK$1,554/mo
Today · 4.125%
HK$52,257
baseline
▲ 0.50% · 4.625%
HK$55,436
+HK$3,179/mo
Deposit HK$10.78M · loan HK$10.78M · min. income ≈ HK$104,514/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$906,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,704
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$56,172
−HK$1,488/mo
Today · 4.125%
HK$57,660
baseline
▲ 0.50% · 4.625%
HK$60,699
+HK$3,039/mo
Deposit HK$10.78M · loan HK$10.78M · min. income ≈ HK$115,320/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$906,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,008
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$60,843
−HK$1,865/mo
Today · 4.125%
HK$62,708
baseline
▲ 0.50% · 4.625%
HK$66,524
+HK$3,816/mo
Deposit HK$8.63M · loan HK$12.94M · min. income ≈ HK$125,416/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$906,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,645
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$67,406
−HK$1,786/mo
Today · 4.125%
HK$69,192
baseline
▲ 0.50% · 4.625%
HK$72,839
+HK$3,647/mo
Deposit HK$8.63M · loan HK$12.94M · min. income ≈ HK$138,384/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$906,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,842
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$70,984
−HK$2,175/mo
Today · 4.125%
HK$73,159
baseline
▲ 0.50% · 4.625%
HK$77,611
+HK$4,452/mo
Deposit HK$6.47M · loan HK$15.10M · min. income ≈ HK$146,318/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$906,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,586
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$78,640
−HK$2,084/mo
Today · 4.125%
HK$80,724
baseline
▲ 0.50% · 4.625%
HK$84,979
+HK$4,255/mo
Deposit HK$6.47M · loan HK$15.10M · min. income ≈ HK$161,448/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$906,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,511
−HK$5,551/mo
▼ 0.25% · 3.875%
HK$91,265
−HK$2,797/mo
Today · 4.125%
HK$94,062
baseline
▲ 0.50% · 4.625%
HK$99,785
+HK$5,723/mo
Deposit HK$2.16M · loan HK$19.41M · min. income ≈ HK$188,124/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$906,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,468
−HK$5,320/mo
▼ 0.25% · 3.875%
HK$101,109
−HK$2,679/mo
Today · 4.125%
HK$103,788
baseline
▲ 0.50% · 4.625%
HK$109,259
+HK$5,471/mo
Deposit HK$2.16M · loan HK$19.41M · min. income ≈ HK$207,576/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$906,469 · Scale 2, in force from 26 Feb 2026)