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$48,081
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$49,577
−HK$1,519/mo
Today · 4.125%
HK$51,096
baseline
▲ 0.50% · 4.625%
HK$54,205
+HK$3,109/mo
Deposit HK$10.54M · loan HK$10.54M · min. income ≈ HK$102,192/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$858,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,490
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$54,924
−HK$1,456/mo
Today · 4.125%
HK$56,380
baseline
▲ 0.50% · 4.625%
HK$59,352
+HK$2,972/mo
Deposit HK$10.54M · loan HK$10.54M · min. income ≈ HK$112,760/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$858,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,697
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$59,492
−HK$1,824/mo
Today · 4.125%
HK$61,316
baseline
▲ 0.50% · 4.625%
HK$65,046
+HK$3,730/mo
Deposit HK$8.43M · loan HK$12.65M · min. income ≈ HK$122,632/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$858,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,188
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$65,909
−HK$1,747/mo
Today · 4.125%
HK$67,656
baseline
▲ 0.50% · 4.625%
HK$71,222
+HK$3,566/mo
Deposit HK$8.43M · loan HK$12.65M · min. income ≈ HK$135,312/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$858,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,314
−HK$4,221/mo
▼ 0.25% · 3.875%
HK$69,408
−HK$2,127/mo
Today · 4.125%
HK$71,535
baseline
▲ 0.50% · 4.625%
HK$75,888
+HK$4,353/mo
Deposit HK$6.33M · loan HK$14.76M · min. income ≈ HK$143,070/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$858,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,886
−HK$4,046/mo
▼ 0.25% · 3.875%
HK$76,894
−HK$2,038/mo
Today · 4.125%
HK$78,932
baseline
▲ 0.50% · 4.625%
HK$83,092
+HK$4,160/mo
Deposit HK$6.33M · loan HK$14.76M · min. income ≈ HK$157,864/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$858,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,546
−HK$5,427/mo
▼ 0.25% · 3.875%
HK$89,238
−HK$2,735/mo
Today · 4.125%
HK$91,973
baseline
▲ 0.50% · 4.625%
HK$97,570
+HK$5,597/mo
Deposit HK$2.11M · loan HK$18.98M · min. income ≈ HK$183,946/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$858,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,282
−HK$5,202/mo
▼ 0.25% · 3.875%
HK$98,864
−HK$2,620/mo
Today · 4.125%
HK$101,484
baseline
▲ 0.50% · 4.625%
HK$106,833
+HK$5,349/mo
Deposit HK$2.11M · loan HK$18.98M · min. income ≈ HK$202,968/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$858,587 · Scale 2, in force from 26 Feb 2026)