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$48,923
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$50,445
−HK$1,546/mo
Today · 4.125%
HK$51,991
baseline
▲ 0.50% · 4.625%
HK$55,154
+HK$3,163/mo
Deposit HK$10.73M · loan HK$10.73M · min. income ≈ HK$103,982/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$895,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,426
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$55,886
−HK$1,481/mo
Today · 4.125%
HK$57,367
baseline
▲ 0.50% · 4.625%
HK$60,391
+HK$3,024/mo
Deposit HK$10.73M · loan HK$10.73M · min. income ≈ HK$114,734/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$895,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,708
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$60,534
−HK$1,855/mo
Today · 4.125%
HK$62,389
baseline
▲ 0.50% · 4.625%
HK$66,185
+HK$3,796/mo
Deposit HK$8.58M · loan HK$12.87M · min. income ≈ HK$124,778/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$895,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,312
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$67,063
−HK$1,777/mo
Today · 4.125%
HK$68,840
baseline
▲ 0.50% · 4.625%
HK$72,469
+HK$3,629/mo
Deposit HK$8.58M · loan HK$12.87M · min. income ≈ HK$137,680/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$895,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,492
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$70,623
−HK$2,164/mo
Today · 4.125%
HK$72,787
baseline
▲ 0.50% · 4.625%
HK$77,216
+HK$4,429/mo
Deposit HK$6.44M · loan HK$15.02M · min. income ≈ HK$145,574/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$895,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,197
−HK$4,116/mo
▼ 0.25% · 3.875%
HK$78,240
−HK$2,073/mo
Today · 4.125%
HK$80,313
baseline
▲ 0.50% · 4.625%
HK$84,547
+HK$4,234/mo
Deposit HK$6.44M · loan HK$15.02M · min. income ≈ HK$160,626/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$895,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,061
−HK$5,523/mo
▼ 0.25% · 3.875%
HK$90,801
−HK$2,783/mo
Today · 4.125%
HK$93,584
baseline
▲ 0.50% · 4.625%
HK$99,278
+HK$5,694/mo
Deposit HK$2.15M · loan HK$19.31M · min. income ≈ HK$187,168/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$895,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,967
−HK$5,293/mo
▼ 0.25% · 3.875%
HK$100,595
−HK$2,665/mo
Today · 4.125%
HK$103,260
baseline
▲ 0.50% · 4.625%
HK$108,703
+HK$5,443/mo
Deposit HK$2.15M · loan HK$19.31M · min. income ≈ HK$206,520/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$895,502 · Scale 2, in force from 26 Feb 2026)