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$49,455
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$50,994
−HK$1,563/mo
Today · 4.125%
HK$52,557
baseline
▲ 0.50% · 4.625%
HK$55,755
+HK$3,198/mo
Deposit HK$10.84M · loan HK$10.84M · min. income ≈ HK$105,114/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$918,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,019
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$56,494
−HK$1,497/mo
Today · 4.125%
HK$57,991
baseline
▲ 0.50% · 4.625%
HK$61,048
+HK$3,057/mo
Deposit HK$10.84M · loan HK$10.84M · min. income ≈ HK$115,982/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$918,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,347
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$61,193
−HK$1,875/mo
Today · 4.125%
HK$63,068
baseline
▲ 0.50% · 4.625%
HK$66,906
+HK$3,838/mo
Deposit HK$8.68M · loan HK$13.01M · min. income ≈ HK$126,136/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$918,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,022
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$67,793
−HK$1,796/mo
Today · 4.125%
HK$69,589
baseline
▲ 0.50% · 4.625%
HK$73,258
+HK$3,669/mo
Deposit HK$8.68M · loan HK$13.01M · min. income ≈ HK$139,178/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$918,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,238
−HK$4,341/mo
▼ 0.25% · 3.875%
HK$71,391
−HK$2,188/mo
Today · 4.125%
HK$73,579
baseline
▲ 0.50% · 4.625%
HK$78,057
+HK$4,478/mo
Deposit HK$6.51M · loan HK$15.18M · min. income ≈ HK$147,158/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$918,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,026
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$79,092
−HK$2,096/mo
Today · 4.125%
HK$81,188
baseline
▲ 0.50% · 4.625%
HK$85,467
+HK$4,279/mo
Deposit HK$6.51M · loan HK$15.18M · min. income ≈ HK$162,376/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$918,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,020
−HK$5,582/mo
▼ 0.25% · 3.875%
HK$91,789
−HK$2,813/mo
Today · 4.125%
HK$94,602
baseline
▲ 0.50% · 4.625%
HK$100,358
+HK$5,756/mo
Deposit HK$2.17M · loan HK$19.52M · min. income ≈ HK$189,204/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$918,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,034
−HK$5,350/mo
▼ 0.25% · 3.875%
HK$101,690
−HK$2,694/mo
Today · 4.125%
HK$104,384
baseline
▲ 0.50% · 4.625%
HK$109,886
+HK$5,502/mo
Deposit HK$2.17M · loan HK$19.52M · min. income ≈ HK$208,768/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$918,855 · Scale 2, in force from 26 Feb 2026)