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$49,352
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$50,887
−HK$1,560/mo
Today · 4.125%
HK$52,447
baseline
▲ 0.50% · 4.625%
HK$55,638
+HK$3,191/mo
Deposit HK$10.82M · loan HK$10.82M · min. income ≈ HK$104,894/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$914,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,904
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$56,376
−HK$1,494/mo
Today · 4.125%
HK$57,870
baseline
▲ 0.50% · 4.625%
HK$60,920
+HK$3,050/mo
Deposit HK$10.82M · loan HK$10.82M · min. income ≈ HK$115,740/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$914,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,223
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$61,065
−HK$1,871/mo
Today · 4.125%
HK$62,936
baseline
▲ 0.50% · 4.625%
HK$66,766
+HK$3,830/mo
Deposit HK$8.66M · loan HK$12.99M · min. income ≈ HK$125,872/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$914,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,884
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$67,651
−HK$1,793/mo
Today · 4.125%
HK$69,444
baseline
▲ 0.50% · 4.625%
HK$73,104
+HK$3,660/mo
Deposit HK$8.66M · loan HK$12.99M · min. income ≈ HK$138,888/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$914,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,093
−HK$4,333/mo
▼ 0.25% · 3.875%
HK$71,242
−HK$2,184/mo
Today · 4.125%
HK$73,426
baseline
▲ 0.50% · 4.625%
HK$77,893
+HK$4,467/mo
Deposit HK$6.49M · loan HK$15.15M · min. income ≈ HK$146,852/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$914,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,865
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$78,927
−HK$2,091/mo
Today · 4.125%
HK$81,018
baseline
▲ 0.50% · 4.625%
HK$85,289
+HK$4,271/mo
Deposit HK$6.49M · loan HK$15.15M · min. income ≈ HK$162,036/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$914,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,834
−HK$5,570/mo
▼ 0.25% · 3.875%
HK$91,597
−HK$2,807/mo
Today · 4.125%
HK$94,404
baseline
▲ 0.50% · 4.625%
HK$100,149
+HK$5,745/mo
Deposit HK$2.16M · loan HK$19.48M · min. income ≈ HK$188,808/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$914,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,827
−HK$5,339/mo
▼ 0.25% · 3.875%
HK$101,477
−HK$2,689/mo
Today · 4.125%
HK$104,166
baseline
▲ 0.50% · 4.625%
HK$109,657
+HK$5,491/mo
Deposit HK$2.16M · loan HK$19.48M · min. income ≈ HK$208,332/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$914,323 · Scale 2, in force from 26 Feb 2026)