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$905,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,687
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$56,153
−HK$1,488/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$905,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,988
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$60,823
−HK$1,864/mo
Today · 4.125%
HK$62,687
baseline
▲ 0.50% · 4.625%
HK$66,502
+HK$3,815/mo
Deposit HK$8.62M · loan HK$12.93M · min. income ≈ HK$125,374/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$905,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,624
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$67,384
−HK$1,785/mo
Today · 4.125%
HK$69,169
baseline
▲ 0.50% · 4.625%
HK$72,815
+HK$3,646/mo
Deposit HK$8.62M · loan HK$12.93M · min. income ≈ HK$138,338/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$905,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,820
−HK$4,315/mo
▼ 0.25% · 3.875%
HK$70,960
−HK$2,175/mo
Today · 4.125%
HK$73,135
baseline
▲ 0.50% · 4.625%
HK$77,585
+HK$4,450/mo
Deposit HK$6.47M · loan HK$15.09M · min. income ≈ HK$146,270/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$905,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,561
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$78,615
−HK$2,083/mo
Today · 4.125%
HK$80,698
baseline
▲ 0.50% · 4.625%
HK$84,951
+HK$4,253/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$905,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,483
−HK$5,548/mo
▼ 0.25% · 3.875%
HK$91,235
−HK$2,796/mo
Today · 4.125%
HK$94,031
baseline
▲ 0.50% · 4.625%
HK$99,753
+HK$5,722/mo
Deposit HK$2.16M · loan HK$19.40M · min. income ≈ HK$188,062/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$905,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,436
−HK$5,318/mo
▼ 0.25% · 3.875%
HK$101,076
−HK$2,678/mo
Today · 4.125%
HK$103,754
baseline
▲ 0.50% · 4.625%
HK$109,223
+HK$5,469/mo
Deposit HK$2.16M · loan HK$19.40M · min. income ≈ HK$207,508/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$905,766 · Scale 2, in force from 26 Feb 2026)