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$49,319
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$50,853
−HK$1,559/mo
Today · 4.125%
HK$52,412
baseline
▲ 0.50% · 4.625%
HK$55,601
+HK$3,189/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$104,824/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$912,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,867
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$56,338
−HK$1,493/mo
Today · 4.125%
HK$57,831
baseline
▲ 0.50% · 4.625%
HK$60,879
+HK$3,048/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$115,662/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$912,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,183
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$61,023
−HK$1,871/mo
Today · 4.125%
HK$62,894
baseline
▲ 0.50% · 4.625%
HK$66,721
+HK$3,827/mo
Deposit HK$8.65M · loan HK$12.98M · min. income ≈ HK$125,788/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$912,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,840
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$67,606
−HK$1,791/mo
Today · 4.125%
HK$69,397
baseline
▲ 0.50% · 4.625%
HK$73,055
+HK$3,658/mo
Deposit HK$8.65M · loan HK$12.98M · min. income ≈ HK$138,794/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$912,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,046
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$71,194
−HK$2,182/mo
Today · 4.125%
HK$73,376
baseline
▲ 0.50% · 4.625%
HK$77,841
+HK$4,465/mo
Deposit HK$6.49M · loan HK$15.14M · min. income ≈ HK$146,752/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$912,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,813
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$78,873
−HK$2,090/mo
Today · 4.125%
HK$80,963
baseline
▲ 0.50% · 4.625%
HK$85,231
+HK$4,268/mo
Deposit HK$6.49M · loan HK$15.14M · min. income ≈ HK$161,926/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$912,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,774
−HK$5,567/mo
▼ 0.25% · 3.875%
HK$91,535
−HK$2,806/mo
Today · 4.125%
HK$94,341
baseline
▲ 0.50% · 4.625%
HK$100,081
+HK$5,740/mo
Deposit HK$2.16M · loan HK$19.47M · min. income ≈ HK$188,682/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$912,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,760
−HK$5,336/mo
▼ 0.25% · 3.875%
HK$101,409
−HK$2,687/mo
Today · 4.125%
HK$104,096
baseline
▲ 0.50% · 4.625%
HK$109,583
+HK$5,487/mo
Deposit HK$2.16M · loan HK$19.47M · min. income ≈ HK$208,192/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$912,863 · Scale 2, in force from 26 Feb 2026)