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$49,484
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$51,023
−HK$1,564/mo
Today · 4.125%
HK$52,587
baseline
▲ 0.50% · 4.625%
HK$55,787
+HK$3,200/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$105,174/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$920,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,050
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$56,527
−HK$1,497/mo
Today · 4.125%
HK$58,024
baseline
▲ 0.50% · 4.625%
HK$61,083
+HK$3,059/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$116,048/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$920,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,381
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$61,228
−HK$1,876/mo
Today · 4.125%
HK$63,104
baseline
▲ 0.50% · 4.625%
HK$66,944
+HK$3,840/mo
Deposit HK$8.68M · loan HK$13.02M · min. income ≈ HK$126,208/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$920,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,060
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$67,832
−HK$1,797/mo
Today · 4.125%
HK$69,629
baseline
▲ 0.50% · 4.625%
HK$73,300
+HK$3,671/mo
Deposit HK$8.68M · loan HK$13.02M · min. income ≈ HK$139,258/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$920,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,277
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$71,432
−HK$2,190/mo
Today · 4.125%
HK$73,622
baseline
▲ 0.50% · 4.625%
HK$78,101
+HK$4,479/mo
Deposit HK$6.51M · loan HK$15.19M · min. income ≈ HK$147,244/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$920,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,070
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$79,137
−HK$2,097/mo
Today · 4.125%
HK$81,234
baseline
▲ 0.50% · 4.625%
HK$85,516
+HK$4,282/mo
Deposit HK$6.51M · loan HK$15.19M · min. income ≈ HK$162,468/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$920,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,071
−HK$5,585/mo
▼ 0.25% · 3.875%
HK$91,841
−HK$2,815/mo
Today · 4.125%
HK$94,656
baseline
▲ 0.50% · 4.625%
HK$100,416
+HK$5,760/mo
Deposit HK$2.17M · loan HK$19.53M · min. income ≈ HK$189,312/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$920,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,090
−HK$5,354/mo
▼ 0.25% · 3.875%
HK$101,748
−HK$2,696/mo
Today · 4.125%
HK$104,444
baseline
▲ 0.50% · 4.625%
HK$109,949
+HK$5,505/mo
Deposit HK$2.17M · loan HK$19.53M · min. income ≈ HK$208,888/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$920,097 · Scale 2, in force from 26 Feb 2026)