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$48,852
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$50,372
−HK$1,543/mo
Today · 4.125%
HK$51,915
baseline
▲ 0.50% · 4.625%
HK$55,074
+HK$3,159/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$103,830/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$892,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,347
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$55,805
−HK$1,479/mo
Today · 4.125%
HK$57,284
baseline
▲ 0.50% · 4.625%
HK$60,303
+HK$3,019/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$114,568/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$892,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,622
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$60,446
−HK$1,853/mo
Today · 4.125%
HK$62,299
baseline
▲ 0.50% · 4.625%
HK$66,089
+HK$3,790/mo
Deposit HK$8.57M · loan HK$12.85M · min. income ≈ HK$124,598/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$892,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,217
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$66,966
−HK$1,774/mo
Today · 4.125%
HK$68,740
baseline
▲ 0.50% · 4.625%
HK$72,364
+HK$3,624/mo
Deposit HK$8.57M · loan HK$12.85M · min. income ≈ HK$137,480/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$892,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,393
−HK$4,289/mo
▼ 0.25% · 3.875%
HK$70,520
−HK$2,162/mo
Today · 4.125%
HK$72,682
baseline
▲ 0.50% · 4.625%
HK$77,104
+HK$4,422/mo
Deposit HK$6.43M · loan HK$15.00M · min. income ≈ HK$145,364/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$892,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,086
−HK$4,111/mo
▼ 0.25% · 3.875%
HK$78,127
−HK$2,070/mo
Today · 4.125%
HK$80,197
baseline
▲ 0.50% · 4.625%
HK$84,424
+HK$4,227/mo
Deposit HK$6.43M · loan HK$15.00M · min. income ≈ HK$160,394/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$892,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,934
−HK$5,514/mo
▼ 0.25% · 3.875%
HK$90,669
−HK$2,779/mo
Today · 4.125%
HK$93,448
baseline
▲ 0.50% · 4.625%
HK$99,134
+HK$5,686/mo
Deposit HK$2.14M · loan HK$19.28M · min. income ≈ HK$186,896/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$892,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,825
−HK$5,285/mo
▼ 0.25% · 3.875%
HK$100,449
−HK$2,661/mo
Today · 4.125%
HK$103,110
baseline
▲ 0.50% · 4.625%
HK$108,546
+HK$5,436/mo
Deposit HK$2.14M · loan HK$19.28M · min. income ≈ HK$206,220/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$892,390 · Scale 2, in force from 26 Feb 2026)