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$48,035
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$49,530
−HK$1,518/mo
Today · 4.125%
HK$51,048
baseline
▲ 0.50% · 4.625%
HK$54,154
+HK$3,106/mo
Deposit HK$10.53M · loan HK$10.53M · min. income ≈ HK$102,096/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$856,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,439
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$54,872
−HK$1,454/mo
Today · 4.125%
HK$56,326
baseline
▲ 0.50% · 4.625%
HK$59,295
+HK$2,969/mo
Deposit HK$10.53M · loan HK$10.53M · min. income ≈ HK$112,652/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$856,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,643
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$59,436
−HK$1,821/mo
Today · 4.125%
HK$61,257
baseline
▲ 0.50% · 4.625%
HK$64,985
+HK$3,728/mo
Deposit HK$8.43M · loan HK$12.64M · min. income ≈ HK$122,514/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$856,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,127
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$65,847
−HK$1,744/mo
Today · 4.125%
HK$67,591
baseline
▲ 0.50% · 4.625%
HK$71,154
+HK$3,563/mo
Deposit HK$8.43M · loan HK$12.64M · min. income ≈ HK$135,182/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$856,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,250
−HK$4,217/mo
▼ 0.25% · 3.875%
HK$69,341
−HK$2,126/mo
Today · 4.125%
HK$71,467
baseline
▲ 0.50% · 4.625%
HK$75,815
+HK$4,348/mo
Deposit HK$6.32M · loan HK$14.75M · min. income ≈ HK$142,934/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$856,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,815
−HK$4,042/mo
▼ 0.25% · 3.875%
HK$76,821
−HK$2,036/mo
Today · 4.125%
HK$78,857
baseline
▲ 0.50% · 4.625%
HK$83,013
+HK$4,156/mo
Deposit HK$6.32M · loan HK$14.75M · min. income ≈ HK$157,714/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$856,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,464
−HK$5,422/mo
▼ 0.25% · 3.875%
HK$89,153
−HK$2,733/mo
Today · 4.125%
HK$91,886
baseline
▲ 0.50% · 4.625%
HK$97,477
+HK$5,591/mo
Deposit HK$2.11M · loan HK$18.96M · min. income ≈ HK$183,772/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$856,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,190
−HK$5,197/mo
▼ 0.25% · 3.875%
HK$98,770
−HK$2,617/mo
Today · 4.125%
HK$101,387
baseline
▲ 0.50% · 4.625%
HK$106,731
+HK$5,344/mo
Deposit HK$2.11M · loan HK$18.96M · min. income ≈ HK$202,774/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$856,581 · Scale 2, in force from 26 Feb 2026)