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$48,095
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$49,591
−HK$1,520/mo
Today · 4.125%
HK$51,111
baseline
▲ 0.50% · 4.625%
HK$54,221
+HK$3,110/mo
Deposit HK$10.55M · loan HK$10.55M · min. income ≈ HK$102,222/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$859,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,505
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$54,940
−HK$1,456/mo
Today · 4.125%
HK$56,396
baseline
▲ 0.50% · 4.625%
HK$59,369
+HK$2,973/mo
Deposit HK$10.55M · loan HK$10.55M · min. income ≈ HK$112,792/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$859,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,714
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$59,509
−HK$1,824/mo
Today · 4.125%
HK$61,333
baseline
▲ 0.50% · 4.625%
HK$65,065
+HK$3,732/mo
Deposit HK$8.44M · loan HK$12.66M · min. income ≈ HK$122,666/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$859,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,206
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$65,928
−HK$1,747/mo
Today · 4.125%
HK$67,675
baseline
▲ 0.50% · 4.625%
HK$71,242
+HK$3,567/mo
Deposit HK$8.44M · loan HK$12.66M · min. income ≈ HK$135,350/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$859,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,333
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$69,427
−HK$2,128/mo
Today · 4.125%
HK$71,555
baseline
▲ 0.50% · 4.625%
HK$75,909
+HK$4,354/mo
Deposit HK$6.33M · loan HK$14.76M · min. income ≈ HK$143,110/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$859,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,907
−HK$4,047/mo
▼ 0.25% · 3.875%
HK$76,916
−HK$2,038/mo
Today · 4.125%
HK$78,954
baseline
▲ 0.50% · 4.625%
HK$83,116
+HK$4,162/mo
Deposit HK$6.33M · loan HK$14.76M · min. income ≈ HK$157,908/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$859,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,571
−HK$5,429/mo
▼ 0.25% · 3.875%
HK$89,264
−HK$2,736/mo
Today · 4.125%
HK$92,000
baseline
▲ 0.50% · 4.625%
HK$97,598
+HK$5,598/mo
Deposit HK$2.11M · loan HK$18.98M · min. income ≈ HK$184,000/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$859,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,309
−HK$5,203/mo
▼ 0.25% · 3.875%
HK$98,892
−HK$2,620/mo
Today · 4.125%
HK$101,512
baseline
▲ 0.50% · 4.625%
HK$106,863
+HK$5,351/mo
Deposit HK$2.11M · loan HK$18.98M · min. income ≈ HK$203,024/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$859,189 · Scale 2, in force from 26 Feb 2026)