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$48,825
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$50,344
−HK$1,543/mo
Today · 4.125%
HK$51,887
baseline
▲ 0.50% · 4.625%
HK$55,044
+HK$3,157/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$103,774/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$891,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,317
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$55,774
−HK$1,478/mo
Today · 4.125%
HK$57,252
baseline
▲ 0.50% · 4.625%
HK$60,270
+HK$3,018/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$114,504/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$891,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,590
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$60,412
−HK$1,852/mo
Today · 4.125%
HK$62,264
baseline
▲ 0.50% · 4.625%
HK$66,053
+HK$3,789/mo
Deposit HK$8.56M · loan HK$12.85M · min. income ≈ HK$124,528/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$891,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,181
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$66,929
−HK$1,773/mo
Today · 4.125%
HK$68,702
baseline
▲ 0.50% · 4.625%
HK$72,323
+HK$3,621/mo
Deposit HK$8.56M · loan HK$12.85M · min. income ≈ HK$137,404/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$891,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,355
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$70,481
−HK$2,160/mo
Today · 4.125%
HK$72,641
baseline
▲ 0.50% · 4.625%
HK$77,061
+HK$4,420/mo
Deposit HK$6.42M · loan HK$14.99M · min. income ≈ HK$145,282/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$891,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,044
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$78,083
−HK$2,069/mo
Today · 4.125%
HK$80,152
baseline
▲ 0.50% · 4.625%
HK$84,377
+HK$4,225/mo
Deposit HK$6.42M · loan HK$14.99M · min. income ≈ HK$160,304/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$891,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,885
−HK$5,511/mo
▼ 0.25% · 3.875%
HK$90,618
−HK$2,778/mo
Today · 4.125%
HK$93,396
baseline
▲ 0.50% · 4.625%
HK$99,079
+HK$5,683/mo
Deposit HK$2.14M · loan HK$19.27M · min. income ≈ HK$186,792/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$891,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,771
−HK$5,282/mo
▼ 0.25% · 3.875%
HK$100,393
−HK$2,660/mo
Today · 4.125%
HK$103,053
baseline
▲ 0.50% · 4.625%
HK$108,485
+HK$5,432/mo
Deposit HK$2.14M · loan HK$19.27M · min. income ≈ HK$206,106/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$891,200 · Scale 2, in force from 26 Feb 2026)