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$49,296
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$50,830
−HK$1,558/mo
Today · 4.125%
HK$52,388
baseline
▲ 0.50% · 4.625%
HK$55,575
+HK$3,187/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$104,776/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$911,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,842
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$56,313
−HK$1,492/mo
Today · 4.125%
HK$57,805
baseline
▲ 0.50% · 4.625%
HK$60,852
+HK$3,047/mo
Deposit HK$10.81M · loan HK$10.81M · min. income ≈ HK$115,610/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$911,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,156
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$60,996
−HK$1,869/mo
Today · 4.125%
HK$62,865
baseline
▲ 0.50% · 4.625%
HK$66,690
+HK$3,825/mo
Deposit HK$8.65M · loan HK$12.97M · min. income ≈ HK$125,730/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$911,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,810
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$67,575
−HK$1,791/mo
Today · 4.125%
HK$69,366
baseline
▲ 0.50% · 4.625%
HK$73,022
+HK$3,656/mo
Deposit HK$8.65M · loan HK$12.97M · min. income ≈ HK$138,732/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$911,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,015
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$71,162
−HK$2,181/mo
Today · 4.125%
HK$73,343
baseline
▲ 0.50% · 4.625%
HK$77,806
+HK$4,463/mo
Deposit HK$6.49M · loan HK$15.13M · min. income ≈ HK$146,686/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$911,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,778
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$78,838
−HK$2,089/mo
Today · 4.125%
HK$80,927
baseline
▲ 0.50% · 4.625%
HK$85,192
+HK$4,265/mo
Deposit HK$6.49M · loan HK$15.13M · min. income ≈ HK$161,854/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$911,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,734
−HK$5,564/mo
▼ 0.25% · 3.875%
HK$91,494
−HK$2,804/mo
Today · 4.125%
HK$94,298
baseline
▲ 0.50% · 4.625%
HK$100,036
+HK$5,738/mo
Deposit HK$2.16M · loan HK$19.46M · min. income ≈ HK$188,596/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$911,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,715
−HK$5,333/mo
▼ 0.25% · 3.875%
HK$101,363
−HK$2,685/mo
Today · 4.125%
HK$104,048
baseline
▲ 0.50% · 4.625%
HK$109,533
+HK$5,485/mo
Deposit HK$2.16M · loan HK$19.46M · min. income ≈ HK$208,096/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$911,881 · Scale 2, in force from 26 Feb 2026)