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$48,897
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$50,418
−HK$1,546/mo
Today · 4.125%
HK$51,964
baseline
▲ 0.50% · 4.625%
HK$55,125
+HK$3,161/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$103,928/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$894,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,398
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$55,857
−HK$1,480/mo
Today · 4.125%
HK$57,337
baseline
▲ 0.50% · 4.625%
HK$60,359
+HK$3,022/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$114,674/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$894,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,677
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$60,502
−HK$1,854/mo
Today · 4.125%
HK$62,356
baseline
▲ 0.50% · 4.625%
HK$66,151
+HK$3,795/mo
Deposit HK$8.58M · loan HK$12.87M · min. income ≈ HK$124,712/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$894,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,277
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$67,028
−HK$1,776/mo
Today · 4.125%
HK$68,804
baseline
▲ 0.50% · 4.625%
HK$72,431
+HK$3,627/mo
Deposit HK$8.58M · loan HK$12.87M · min. income ≈ HK$137,608/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$894,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,456
−HK$4,293/mo
▼ 0.25% · 3.875%
HK$70,586
−HK$2,163/mo
Today · 4.125%
HK$72,749
baseline
▲ 0.50% · 4.625%
HK$77,176
+HK$4,427/mo
Deposit HK$6.43M · loan HK$15.01M · min. income ≈ HK$145,498/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$894,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,157
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$78,199
−HK$2,072/mo
Today · 4.125%
HK$80,271
baseline
▲ 0.50% · 4.625%
HK$84,503
+HK$4,232/mo
Deposit HK$6.43M · loan HK$15.01M · min. income ≈ HK$160,542/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$894,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,015
−HK$5,519/mo
▼ 0.25% · 3.875%
HK$90,753
−HK$2,781/mo
Today · 4.125%
HK$93,534
baseline
▲ 0.50% · 4.625%
HK$99,226
+HK$5,692/mo
Deposit HK$2.14M · loan HK$19.30M · min. income ≈ HK$187,068/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$894,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,916
−HK$5,290/mo
▼ 0.25% · 3.875%
HK$100,542
−HK$2,664/mo
Today · 4.125%
HK$103,206
baseline
▲ 0.50% · 4.625%
HK$108,646
+HK$5,440/mo
Deposit HK$2.14M · loan HK$19.30M · min. income ≈ HK$206,412/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$894,378 · Scale 2, in force from 26 Feb 2026)