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$48,955
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$50,478
−HK$1,547/mo
Today · 4.125%
HK$52,025
baseline
▲ 0.50% · 4.625%
HK$55,191
+HK$3,166/mo
Deposit HK$10.73M · loan HK$10.73M · min. income ≈ HK$104,050/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$896,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,462
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$55,923
−HK$1,482/mo
Today · 4.125%
HK$57,405
baseline
▲ 0.50% · 4.625%
HK$60,431
+HK$3,026/mo
Deposit HK$10.73M · loan HK$10.73M · min. income ≈ HK$114,810/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$896,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,746
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$60,574
−HK$1,856/mo
Today · 4.125%
HK$62,430
baseline
▲ 0.50% · 4.625%
HK$66,229
+HK$3,799/mo
Deposit HK$8.59M · loan HK$12.88M · min. income ≈ HK$124,860/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$896,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,355
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$67,108
−HK$1,778/mo
Today · 4.125%
HK$68,886
baseline
▲ 0.50% · 4.625%
HK$72,517
+HK$3,631/mo
Deposit HK$8.59M · loan HK$12.88M · min. income ≈ HK$137,772/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$896,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,537
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$70,669
−HK$2,166/mo
Today · 4.125%
HK$72,835
baseline
▲ 0.50% · 4.625%
HK$77,267
+HK$4,432/mo
Deposit HK$6.44M · loan HK$15.03M · min. income ≈ HK$145,670/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$896,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,247
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$78,292
−HK$2,075/mo
Today · 4.125%
HK$80,367
baseline
▲ 0.50% · 4.625%
HK$84,603
+HK$4,236/mo
Deposit HK$6.44M · loan HK$15.03M · min. income ≈ HK$160,734/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$896,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,120
−HK$5,525/mo
▼ 0.25% · 3.875%
HK$90,861
−HK$2,784/mo
Today · 4.125%
HK$93,645
baseline
▲ 0.50% · 4.625%
HK$99,344
+HK$5,699/mo
Deposit HK$2.15M · loan HK$19.32M · min. income ≈ HK$187,290/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$896,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,032
−HK$5,297/mo
▼ 0.25% · 3.875%
HK$100,661
−HK$2,668/mo
Today · 4.125%
HK$103,329
baseline
▲ 0.50% · 4.625%
HK$108,775
+HK$5,446/mo
Deposit HK$2.15M · loan HK$19.32M · min. income ≈ HK$206,658/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$896,922 · Scale 2, in force from 26 Feb 2026)