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$49,093
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$50,620
−HK$1,551/mo
Today · 4.125%
HK$52,171
baseline
▲ 0.50% · 4.625%
HK$55,346
+HK$3,175/mo
Deposit HK$10.76M · loan HK$10.76M · min. income ≈ HK$104,342/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$902,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,615
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$56,080
−HK$1,486/mo
Today · 4.125%
HK$57,566
baseline
▲ 0.50% · 4.625%
HK$60,600
+HK$3,034/mo
Deposit HK$10.76M · loan HK$10.76M · min. income ≈ HK$115,132/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$902,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,912
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$60,744
−HK$1,862/mo
Today · 4.125%
HK$62,606
baseline
▲ 0.50% · 4.625%
HK$66,415
+HK$3,809/mo
Deposit HK$8.61M · loan HK$12.92M · min. income ≈ HK$125,212/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$902,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,538
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$67,296
−HK$1,783/mo
Today · 4.125%
HK$69,079
baseline
▲ 0.50% · 4.625%
HK$72,721
+HK$3,642/mo
Deposit HK$8.61M · loan HK$12.92M · min. income ≈ HK$138,158/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$902,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,730
−HK$4,310/mo
▼ 0.25% · 3.875%
HK$70,868
−HK$2,172/mo
Today · 4.125%
HK$73,040
baseline
▲ 0.50% · 4.625%
HK$77,484
+HK$4,444/mo
Deposit HK$6.46M · loan HK$15.07M · min. income ≈ HK$146,080/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$902,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,462
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$78,512
−HK$2,081/mo
Today · 4.125%
HK$80,593
baseline
▲ 0.50% · 4.625%
HK$84,841
+HK$4,248/mo
Deposit HK$6.46M · loan HK$15.07M · min. income ≈ HK$161,186/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$902,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,367
−HK$5,542/mo
▼ 0.25% · 3.875%
HK$91,116
−HK$2,793/mo
Today · 4.125%
HK$93,909
baseline
▲ 0.50% · 4.625%
HK$99,623
+HK$5,714/mo
Deposit HK$2.15M · loan HK$19.38M · min. income ≈ HK$187,818/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$902,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,308
−HK$5,311/mo
▼ 0.25% · 3.875%
HK$100,944
−HK$2,675/mo
Today · 4.125%
HK$103,619
baseline
▲ 0.50% · 4.625%
HK$109,081
+HK$5,462/mo
Deposit HK$2.15M · loan HK$19.38M · min. income ≈ HK$207,238/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$902,957 · Scale 2, in force from 26 Feb 2026)