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$49,157
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$50,686
−HK$1,554/mo
Today · 4.125%
HK$52,240
baseline
▲ 0.50% · 4.625%
HK$55,418
+HK$3,178/mo
Deposit HK$10.78M · loan HK$10.78M · min. income ≈ HK$104,480/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$905,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,687
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$56,154
−HK$1,487/mo
Today · 4.125%
HK$57,641
baseline
▲ 0.50% · 4.625%
HK$60,680
+HK$3,039/mo
Deposit HK$10.78M · loan HK$10.78M · min. income ≈ HK$115,282/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$905,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,989
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$60,823
−HK$1,865/mo
Today · 4.125%
HK$62,688
baseline
▲ 0.50% · 4.625%
HK$66,502
+HK$3,814/mo
Deposit HK$8.62M · loan HK$12.93M · min. income ≈ HK$125,376/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$905,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,624
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$67,384
−HK$1,786/mo
Today · 4.125%
HK$69,170
baseline
▲ 0.50% · 4.625%
HK$72,816
+HK$3,646/mo
Deposit HK$8.62M · loan HK$12.93M · min. income ≈ HK$138,340/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$905,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,820
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$70,961
−HK$2,175/mo
Today · 4.125%
HK$73,136
baseline
▲ 0.50% · 4.625%
HK$77,586
+HK$4,450/mo
Deposit HK$6.47M · loan HK$15.09M · min. income ≈ HK$146,272/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$905,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,562
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$78,615
−HK$2,083/mo
Today · 4.125%
HK$80,698
baseline
▲ 0.50% · 4.625%
HK$84,952
+HK$4,254/mo
Deposit HK$6.47M · loan HK$15.09M · min. income ≈ HK$161,396/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$905,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,483
−HK$5,549/mo
▼ 0.25% · 3.875%
HK$91,235
−HK$2,797/mo
Today · 4.125%
HK$94,032
baseline
▲ 0.50% · 4.625%
HK$99,753
+HK$5,721/mo
Deposit HK$2.16M · loan HK$19.40M · min. income ≈ HK$188,064/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$905,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,436
−HK$5,319/mo
▼ 0.25% · 3.875%
HK$101,076
−HK$2,679/mo
Today · 4.125%
HK$103,755
baseline
▲ 0.50% · 4.625%
HK$109,224
+HK$5,469/mo
Deposit HK$2.16M · loan HK$19.40M · min. income ≈ HK$207,510/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$905,774 · Scale 2, in force from 26 Feb 2026)