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$48,603
−HK$3,048/mo
▼ 0.25% · 3.875%
HK$50,115
−HK$1,536/mo
Today · 4.125%
HK$51,651
baseline
▲ 0.50% · 4.625%
HK$54,794
+HK$3,143/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$103,302/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$881,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,070
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$55,520
−HK$1,472/mo
Today · 4.125%
HK$56,992
baseline
▲ 0.50% · 4.625%
HK$59,996
+HK$3,004/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$113,984/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$881,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,324
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$60,138
−HK$1,843/mo
Today · 4.125%
HK$61,981
baseline
▲ 0.50% · 4.625%
HK$65,752
+HK$3,771/mo
Deposit HK$8.53M · loan HK$12.79M · min. income ≈ HK$123,962/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$881,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,884
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$66,624
−HK$1,766/mo
Today · 4.125%
HK$68,390
baseline
▲ 0.50% · 4.625%
HK$71,995
+HK$3,605/mo
Deposit HK$8.53M · loan HK$12.79M · min. income ≈ HK$136,780/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$881,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,044
−HK$4,267/mo
▼ 0.25% · 3.875%
HK$70,161
−HK$2,150/mo
Today · 4.125%
HK$72,311
baseline
▲ 0.50% · 4.625%
HK$76,711
+HK$4,400/mo
Deposit HK$6.39M · loan HK$14.92M · min. income ≈ HK$144,622/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$881,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,698
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$77,729
−HK$2,059/mo
Today · 4.125%
HK$79,788
baseline
▲ 0.50% · 4.625%
HK$83,994
+HK$4,206/mo
Deposit HK$6.39M · loan HK$14.92M · min. income ≈ HK$159,576/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$881,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,485
−HK$5,486/mo
▼ 0.25% · 3.875%
HK$90,207
−HK$2,764/mo
Today · 4.125%
HK$92,971
baseline
▲ 0.50% · 4.625%
HK$98,628
+HK$5,657/mo
Deposit HK$2.13M · loan HK$19.18M · min. income ≈ HK$185,942/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$881,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,326
−HK$5,259/mo
▼ 0.25% · 3.875%
HK$99,937
−HK$2,648/mo
Today · 4.125%
HK$102,585
baseline
▲ 0.50% · 4.625%
HK$107,992
+HK$5,407/mo
Deposit HK$2.13M · loan HK$19.18M · min. income ≈ HK$205,170/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$881,468 · Scale 2, in force from 26 Feb 2026)