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$48,226
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$49,726
−HK$1,524/mo
Today · 4.125%
HK$51,250
baseline
▲ 0.50% · 4.625%
HK$54,369
+HK$3,119/mo
Deposit HK$10.57M · loan HK$10.57M · min. income ≈ HK$102,500/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$864,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,651
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$55,090
−HK$1,459/mo
Today · 4.125%
HK$56,549
baseline
▲ 0.50% · 4.625%
HK$59,530
+HK$2,981/mo
Deposit HK$10.57M · loan HK$10.57M · min. income ≈ HK$113,098/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$864,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,871
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$59,671
−HK$1,829/mo
Today · 4.125%
HK$61,500
baseline
▲ 0.50% · 4.625%
HK$65,242
+HK$3,742/mo
Deposit HK$8.46M · loan HK$12.69M · min. income ≈ HK$123,000/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$864,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,381
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$66,108
−HK$1,751/mo
Today · 4.125%
HK$67,859
baseline
▲ 0.50% · 4.625%
HK$71,436
+HK$3,577/mo
Deposit HK$8.46M · loan HK$12.69M · min. income ≈ HK$135,718/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$864,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,516
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$69,616
−HK$2,134/mo
Today · 4.125%
HK$71,750
baseline
▲ 0.50% · 4.625%
HK$76,116
+HK$4,366/mo
Deposit HK$6.34M · loan HK$14.80M · min. income ≈ HK$143,500/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$864,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,111
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$77,126
−HK$2,043/mo
Today · 4.125%
HK$79,169
baseline
▲ 0.50% · 4.625%
HK$83,342
+HK$4,173/mo
Deposit HK$6.34M · loan HK$14.80M · min. income ≈ HK$158,338/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$864,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,807
−HK$5,443/mo
▼ 0.25% · 3.875%
HK$89,507
−HK$2,743/mo
Today · 4.125%
HK$92,250
baseline
▲ 0.50% · 4.625%
HK$97,863
+HK$5,613/mo
Deposit HK$2.11M · loan HK$19.03M · min. income ≈ HK$184,500/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$864,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,571
−HK$5,218/mo
▼ 0.25% · 3.875%
HK$99,161
−HK$2,628/mo
Today · 4.125%
HK$101,789
baseline
▲ 0.50% · 4.625%
HK$107,154
+HK$5,365/mo
Deposit HK$2.11M · loan HK$19.03M · min. income ≈ HK$203,578/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$864,933 · Scale 2, in force from 26 Feb 2026)