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$49,897
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$51,449
−HK$1,577/mo
Today · 4.125%
HK$53,026
baseline
▲ 0.50% · 4.625%
HK$56,252
+HK$3,226/mo
Deposit HK$10.94M · loan HK$10.94M · min. income ≈ HK$106,052/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$929,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,510
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$56,998
−HK$1,511/mo
Today · 4.125%
HK$58,509
baseline
▲ 0.50% · 4.625%
HK$61,593
+HK$3,084/mo
Deposit HK$10.94M · loan HK$10.94M · min. income ≈ HK$117,018/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$929,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,876
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$61,739
−HK$1,892/mo
Today · 4.125%
HK$63,631
baseline
▲ 0.50% · 4.625%
HK$67,503
+HK$3,872/mo
Deposit HK$8.75M · loan HK$13.13M · min. income ≈ HK$127,262/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$929,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,612
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$68,398
−HK$1,812/mo
Today · 4.125%
HK$70,210
baseline
▲ 0.50% · 4.625%
HK$73,911
+HK$3,701/mo
Deposit HK$8.75M · loan HK$13.13M · min. income ≈ HK$140,420/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$929,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,856
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$72,028
−HK$2,208/mo
Today · 4.125%
HK$74,236
baseline
▲ 0.50% · 4.625%
HK$78,753
+HK$4,517/mo
Deposit HK$6.56M · loan HK$15.32M · min. income ≈ HK$148,472/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$929,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,714
−HK$4,198/mo
▼ 0.25% · 3.875%
HK$79,798
−HK$2,114/mo
Today · 4.125%
HK$81,912
baseline
▲ 0.50% · 4.625%
HK$86,230
+HK$4,318/mo
Deposit HK$6.56M · loan HK$15.32M · min. income ≈ HK$163,824/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$929,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,814
−HK$5,632/mo
▼ 0.25% · 3.875%
HK$92,608
−HK$2,838/mo
Today · 4.125%
HK$95,446
baseline
▲ 0.50% · 4.625%
HK$101,254
+HK$5,808/mo
Deposit HK$2.19M · loan HK$19.69M · min. income ≈ HK$190,892/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$929,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,918
−HK$5,398/mo
▼ 0.25% · 3.875%
HK$102,597
−HK$2,719/mo
Today · 4.125%
HK$105,316
baseline
▲ 0.50% · 4.625%
HK$110,867
+HK$5,551/mo
Deposit HK$2.19M · loan HK$19.69M · min. income ≈ HK$210,632/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$929,990 · Scale 2, in force from 26 Feb 2026)