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$49,181
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$50,711
−HK$1,554/mo
Today · 4.125%
HK$52,265
baseline
▲ 0.50% · 4.625%
HK$55,445
+HK$3,180/mo
Deposit HK$10.78M · loan HK$10.78M · min. income ≈ HK$104,530/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$906,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,713
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$56,180
−HK$1,489/mo
Today · 4.125%
HK$57,669
baseline
▲ 0.50% · 4.625%
HK$60,709
+HK$3,040/mo
Deposit HK$10.78M · loan HK$10.78M · min. income ≈ HK$115,338/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$906,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,017
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$60,853
−HK$1,865/mo
Today · 4.125%
HK$62,718
baseline
▲ 0.50% · 4.625%
HK$66,534
+HK$3,816/mo
Deposit HK$8.63M · loan HK$12.94M · min. income ≈ HK$125,436/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$906,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,656
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$67,417
−HK$1,786/mo
Today · 4.125%
HK$69,203
baseline
▲ 0.50% · 4.625%
HK$72,851
+HK$3,648/mo
Deposit HK$8.63M · loan HK$12.94M · min. income ≈ HK$138,406/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$906,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,853
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$70,995
−HK$2,176/mo
Today · 4.125%
HK$73,171
baseline
▲ 0.50% · 4.625%
HK$77,623
+HK$4,452/mo
Deposit HK$6.47M · loan HK$15.10M · min. income ≈ HK$146,342/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$906,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,598
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$78,653
−HK$2,084/mo
Today · 4.125%
HK$80,737
baseline
▲ 0.50% · 4.625%
HK$84,992
+HK$4,255/mo
Deposit HK$6.47M · loan HK$15.10M · min. income ≈ HK$161,474/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$906,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,525
−HK$5,552/mo
▼ 0.25% · 3.875%
HK$91,279
−HK$2,798/mo
Today · 4.125%
HK$94,077
baseline
▲ 0.50% · 4.625%
HK$99,801
+HK$5,724/mo
Deposit HK$2.16M · loan HK$19.41M · min. income ≈ HK$188,154/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$906,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,484
−HK$5,320/mo
▼ 0.25% · 3.875%
HK$101,125
−HK$2,679/mo
Today · 4.125%
HK$103,804
baseline
▲ 0.50% · 4.625%
HK$109,276
+HK$5,472/mo
Deposit HK$2.16M · loan HK$19.41M · min. income ≈ HK$207,608/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$906,807 · Scale 2, in force from 26 Feb 2026)