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$48,863
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$50,383
−HK$1,544/mo
Today · 4.125%
HK$51,927
baseline
▲ 0.50% · 4.625%
HK$55,087
+HK$3,160/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$103,854/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$892,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,360
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$55,817
−HK$1,479/mo
Today · 4.125%
HK$57,296
baseline
▲ 0.50% · 4.625%
HK$60,317
+HK$3,021/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$114,592/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$892,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,636
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$60,459
−HK$1,854/mo
Today · 4.125%
HK$62,313
baseline
▲ 0.50% · 4.625%
HK$66,104
+HK$3,791/mo
Deposit HK$8.57M · loan HK$12.86M · min. income ≈ HK$124,626/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$892,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,231
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$66,981
−HK$1,775/mo
Today · 4.125%
HK$68,756
baseline
▲ 0.50% · 4.625%
HK$72,380
+HK$3,624/mo
Deposit HK$8.57M · loan HK$12.86M · min. income ≈ HK$137,512/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$892,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,408
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$70,536
−HK$2,162/mo
Today · 4.125%
HK$72,698
baseline
▲ 0.50% · 4.625%
HK$77,121
+HK$4,423/mo
Deposit HK$6.43M · loan HK$15.00M · min. income ≈ HK$145,396/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$892,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,103
−HK$4,112/mo
▼ 0.25% · 3.875%
HK$78,144
−HK$2,071/mo
Today · 4.125%
HK$80,215
baseline
▲ 0.50% · 4.625%
HK$84,443
+HK$4,228/mo
Deposit HK$6.43M · loan HK$15.00M · min. income ≈ HK$160,430/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$892,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,953
−HK$5,516/mo
▼ 0.25% · 3.875%
HK$90,689
−HK$2,780/mo
Today · 4.125%
HK$93,469
baseline
▲ 0.50% · 4.625%
HK$99,156
+HK$5,687/mo
Deposit HK$2.14M · loan HK$19.29M · min. income ≈ HK$186,938/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$892,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,847
−HK$5,287/mo
▼ 0.25% · 3.875%
HK$100,471
−HK$2,663/mo
Today · 4.125%
HK$103,134
baseline
▲ 0.50% · 4.625%
HK$108,570
+HK$5,436/mo
Deposit HK$2.14M · loan HK$19.29M · min. income ≈ HK$206,268/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$892,872 · Scale 2, in force from 26 Feb 2026)