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$48,689
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$50,204
−HK$1,539/mo
Today · 4.125%
HK$51,743
baseline
▲ 0.50% · 4.625%
HK$54,891
+HK$3,148/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$103,486/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$885,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,166
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$55,619
−HK$1,474/mo
Today · 4.125%
HK$57,093
baseline
▲ 0.50% · 4.625%
HK$60,102
+HK$3,009/mo
Deposit HK$10.68M · loan HK$10.68M · min. income ≈ HK$114,186/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$885,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,427
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$60,245
−HK$1,846/mo
Today · 4.125%
HK$62,091
baseline
▲ 0.50% · 4.625%
HK$65,869
+HK$3,778/mo
Deposit HK$8.54M · loan HK$12.81M · min. income ≈ HK$124,182/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$885,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,000
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$66,743
−HK$1,769/mo
Today · 4.125%
HK$68,512
baseline
▲ 0.50% · 4.625%
HK$72,123
+HK$3,611/mo
Deposit HK$8.54M · loan HK$12.81M · min. income ≈ HK$137,024/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$885,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,165
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$70,285
−HK$2,155/mo
Today · 4.125%
HK$72,440
baseline
▲ 0.50% · 4.625%
HK$76,848
+HK$4,408/mo
Deposit HK$6.41M · loan HK$14.95M · min. income ≈ HK$144,880/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$885,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,833
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$77,867
−HK$2,063/mo
Today · 4.125%
HK$79,930
baseline
▲ 0.50% · 4.625%
HK$84,143
+HK$4,213/mo
Deposit HK$6.41M · loan HK$14.95M · min. income ≈ HK$159,860/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$885,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,641
−HK$5,496/mo
▼ 0.25% · 3.875%
HK$90,367
−HK$2,770/mo
Today · 4.125%
HK$93,137
baseline
▲ 0.50% · 4.625%
HK$98,804
+HK$5,667/mo
Deposit HK$2.14M · loan HK$19.22M · min. income ≈ HK$186,274/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$885,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,500
−HK$5,267/mo
▼ 0.25% · 3.875%
HK$100,115
−HK$2,652/mo
Today · 4.125%
HK$102,767
baseline
▲ 0.50% · 4.625%
HK$108,184
+HK$5,417/mo
Deposit HK$2.14M · loan HK$19.22M · min. income ≈ HK$205,534/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$885,260 · Scale 2, in force from 26 Feb 2026)