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$48,163
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$49,661
−HK$1,522/mo
Today · 4.125%
HK$51,183
baseline
▲ 0.50% · 4.625%
HK$54,298
+HK$3,115/mo
Deposit HK$10.56M · loan HK$10.56M · min. income ≈ HK$102,366/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$862,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,581
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$55,018
−HK$1,458/mo
Today · 4.125%
HK$56,476
baseline
▲ 0.50% · 4.625%
HK$59,453
+HK$2,977/mo
Deposit HK$10.56M · loan HK$10.56M · min. income ≈ HK$112,952/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$862,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,796
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$59,594
−HK$1,826/mo
Today · 4.125%
HK$61,420
baseline
▲ 0.50% · 4.625%
HK$65,157
+HK$3,737/mo
Deposit HK$8.45M · loan HK$12.67M · min. income ≈ HK$122,840/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$862,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,297
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$66,022
−HK$1,749/mo
Today · 4.125%
HK$67,771
baseline
▲ 0.50% · 4.625%
HK$71,343
+HK$3,572/mo
Deposit HK$8.45M · loan HK$12.67M · min. income ≈ HK$135,542/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$862,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,428
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$69,526
−HK$2,131/mo
Today · 4.125%
HK$71,657
baseline
▲ 0.50% · 4.625%
HK$76,017
+HK$4,360/mo
Deposit HK$6.34M · loan HK$14.79M · min. income ≈ HK$143,314/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$862,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,013
−HK$4,053/mo
▼ 0.25% · 3.875%
HK$77,025
−HK$2,041/mo
Today · 4.125%
HK$79,066
baseline
▲ 0.50% · 4.625%
HK$83,234
+HK$4,168/mo
Deposit HK$6.34M · loan HK$14.79M · min. income ≈ HK$158,132/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$862,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,694
−HK$5,436/mo
▼ 0.25% · 3.875%
HK$89,390
−HK$2,740/mo
Today · 4.125%
HK$92,130
baseline
▲ 0.50% · 4.625%
HK$97,736
+HK$5,606/mo
Deposit HK$2.11M · loan HK$19.01M · min. income ≈ HK$184,260/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$862,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,446
−HK$5,210/mo
▼ 0.25% · 3.875%
HK$99,032
−HK$2,624/mo
Today · 4.125%
HK$101,656
baseline
▲ 0.50% · 4.625%
HK$107,015
+HK$5,359/mo
Deposit HK$2.11M · loan HK$19.01M · min. income ≈ HK$203,312/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$862,181 · Scale 2, in force from 26 Feb 2026)