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$48,882
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$50,402
−HK$1,545/mo
Today · 4.125%
HK$51,947
baseline
▲ 0.50% · 4.625%
HK$55,108
+HK$3,161/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$103,894/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$893,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,381
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$55,839
−HK$1,480/mo
Today · 4.125%
HK$57,319
baseline
▲ 0.50% · 4.625%
HK$60,340
+HK$3,021/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$114,638/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$893,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,658
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$60,483
−HK$1,854/mo
Today · 4.125%
HK$62,337
baseline
▲ 0.50% · 4.625%
HK$66,130
+HK$3,793/mo
Deposit HK$8.57M · loan HK$12.86M · min. income ≈ HK$124,674/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$893,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,257
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$67,007
−HK$1,775/mo
Today · 4.125%
HK$68,782
baseline
▲ 0.50% · 4.625%
HK$72,408
+HK$3,626/mo
Deposit HK$8.57M · loan HK$12.86M · min. income ≈ HK$137,564/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$893,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,435
−HK$4,291/mo
▼ 0.25% · 3.875%
HK$70,563
−HK$2,163/mo
Today · 4.125%
HK$72,726
baseline
▲ 0.50% · 4.625%
HK$77,151
+HK$4,425/mo
Deposit HK$6.43M · loan HK$15.01M · min. income ≈ HK$145,452/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$893,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,133
−HK$4,113/mo
▼ 0.25% · 3.875%
HK$78,175
−HK$2,071/mo
Today · 4.125%
HK$80,246
baseline
▲ 0.50% · 4.625%
HK$84,476
+HK$4,230/mo
Deposit HK$6.43M · loan HK$15.01M · min. income ≈ HK$160,492/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$893,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,987
−HK$5,518/mo
▼ 0.25% · 3.875%
HK$90,724
−HK$2,781/mo
Today · 4.125%
HK$93,505
baseline
▲ 0.50% · 4.625%
HK$99,194
+HK$5,689/mo
Deposit HK$2.14M · loan HK$19.29M · min. income ≈ HK$187,010/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$893,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,885
−HK$5,288/mo
▼ 0.25% · 3.875%
HK$100,510
−HK$2,663/mo
Today · 4.125%
HK$103,173
baseline
▲ 0.50% · 4.625%
HK$108,612
+HK$5,439/mo
Deposit HK$2.14M · loan HK$19.29M · min. income ≈ HK$206,346/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$893,698 · Scale 2, in force from 26 Feb 2026)