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$48,850
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$50,370
−HK$1,544/mo
Today · 4.125%
HK$51,914
baseline
▲ 0.50% · 4.625%
HK$55,073
+HK$3,159/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$103,828/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$892,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,346
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$55,803
−HK$1,479/mo
Today · 4.125%
HK$57,282
baseline
▲ 0.50% · 4.625%
HK$60,301
+HK$3,019/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$114,564/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$892,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,621
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$60,444
−HK$1,853/mo
Today · 4.125%
HK$62,297
baseline
▲ 0.50% · 4.625%
HK$66,087
+HK$3,790/mo
Deposit HK$8.57M · loan HK$12.85M · min. income ≈ HK$124,594/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$892,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,215
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$66,964
−HK$1,774/mo
Today · 4.125%
HK$68,738
baseline
▲ 0.50% · 4.625%
HK$72,361
+HK$3,623/mo
Deposit HK$8.57M · loan HK$12.85M · min. income ≈ HK$137,476/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$892,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,391
−HK$4,288/mo
▼ 0.25% · 3.875%
HK$70,518
−HK$2,161/mo
Today · 4.125%
HK$72,679
baseline
▲ 0.50% · 4.625%
HK$77,102
+HK$4,423/mo
Deposit HK$6.43M · loan HK$15.00M · min. income ≈ HK$145,358/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$892,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,084
−HK$4,111/mo
▼ 0.25% · 3.875%
HK$78,124
−HK$2,071/mo
Today · 4.125%
HK$80,195
baseline
▲ 0.50% · 4.625%
HK$84,422
+HK$4,227/mo
Deposit HK$6.43M · loan HK$15.00M · min. income ≈ HK$160,390/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$892,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,931
−HK$5,514/mo
▼ 0.25% · 3.875%
HK$90,666
−HK$2,779/mo
Today · 4.125%
HK$93,445
baseline
▲ 0.50% · 4.625%
HK$99,131
+HK$5,686/mo
Deposit HK$2.14M · loan HK$19.28M · min. income ≈ HK$186,890/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$892,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,822
−HK$5,285/mo
▼ 0.25% · 3.875%
HK$100,446
−HK$2,661/mo
Today · 4.125%
HK$103,107
baseline
▲ 0.50% · 4.625%
HK$108,542
+HK$5,435/mo
Deposit HK$2.14M · loan HK$19.28M · min. income ≈ HK$206,214/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$892,324 · Scale 2, in force from 26 Feb 2026)