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$48,865
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$50,385
−HK$1,544/mo
Today · 4.125%
HK$51,929
baseline
▲ 0.50% · 4.625%
HK$55,089
+HK$3,160/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$103,858/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$892,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,362
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$55,820
−HK$1,479/mo
Today · 4.125%
HK$57,299
baseline
▲ 0.50% · 4.625%
HK$60,319
+HK$3,020/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$114,598/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$892,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,638
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$60,462
−HK$1,853/mo
Today · 4.125%
HK$62,315
baseline
▲ 0.50% · 4.625%
HK$66,107
+HK$3,792/mo
Deposit HK$8.57M · loan HK$12.86M · min. income ≈ HK$124,630/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$892,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,234
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$66,984
−HK$1,774/mo
Today · 4.125%
HK$68,758
baseline
▲ 0.50% · 4.625%
HK$72,383
+HK$3,625/mo
Deposit HK$8.57M · loan HK$12.86M · min. income ≈ HK$137,516/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$892,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,411
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$70,539
−HK$2,162/mo
Today · 4.125%
HK$72,701
baseline
▲ 0.50% · 4.625%
HK$77,124
+HK$4,423/mo
Deposit HK$6.43M · loan HK$15.00M · min. income ≈ HK$145,402/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$892,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,106
−HK$4,112/mo
▼ 0.25% · 3.875%
HK$78,147
−HK$2,071/mo
Today · 4.125%
HK$80,218
baseline
▲ 0.50% · 4.625%
HK$84,446
+HK$4,228/mo
Deposit HK$6.43M · loan HK$15.00M · min. income ≈ HK$160,436/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$892,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,957
−HK$5,515/mo
▼ 0.25% · 3.875%
HK$90,693
−HK$2,779/mo
Today · 4.125%
HK$93,472
baseline
▲ 0.50% · 4.625%
HK$99,160
+HK$5,688/mo
Deposit HK$2.14M · loan HK$19.29M · min. income ≈ HK$186,944/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$892,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,851
−HK$5,287/mo
▼ 0.25% · 3.875%
HK$100,475
−HK$2,663/mo
Today · 4.125%
HK$103,138
baseline
▲ 0.50% · 4.625%
HK$108,574
+HK$5,436/mo
Deposit HK$2.14M · loan HK$19.29M · min. income ≈ HK$206,276/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$892,954 · Scale 2, in force from 26 Feb 2026)