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$48,886
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$50,407
−HK$1,545/mo
Today · 4.125%
HK$51,952
baseline
▲ 0.50% · 4.625%
HK$55,113
+HK$3,161/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$103,904/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$893,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,386
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$55,844
−HK$1,480/mo
Today · 4.125%
HK$57,324
baseline
▲ 0.50% · 4.625%
HK$60,346
+HK$3,022/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$114,648/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$893,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,664
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$60,489
−HK$1,853/mo
Today · 4.125%
HK$62,342
baseline
▲ 0.50% · 4.625%
HK$66,136
+HK$3,794/mo
Deposit HK$8.58M · loan HK$12.86M · min. income ≈ HK$124,684/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$893,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,263
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$67,013
−HK$1,776/mo
Today · 4.125%
HK$68,789
baseline
▲ 0.50% · 4.625%
HK$72,415
+HK$3,626/mo
Deposit HK$8.58M · loan HK$12.86M · min. income ≈ HK$137,578/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$893,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,441
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$70,570
−HK$2,163/mo
Today · 4.125%
HK$72,733
baseline
▲ 0.50% · 4.625%
HK$77,159
+HK$4,426/mo
Deposit HK$6.43M · loan HK$15.01M · min. income ≈ HK$145,466/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$893,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,140
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$78,182
−HK$2,072/mo
Today · 4.125%
HK$80,254
baseline
▲ 0.50% · 4.625%
HK$84,484
+HK$4,230/mo
Deposit HK$6.43M · loan HK$15.01M · min. income ≈ HK$160,508/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$893,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,996
−HK$5,518/mo
▼ 0.25% · 3.875%
HK$90,733
−HK$2,781/mo
Today · 4.125%
HK$93,514
baseline
▲ 0.50% · 4.625%
HK$99,204
+HK$5,690/mo
Deposit HK$2.14M · loan HK$19.30M · min. income ≈ HK$187,028/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$893,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,894
−HK$5,289/mo
▼ 0.25% · 3.875%
HK$100,520
−HK$2,663/mo
Today · 4.125%
HK$103,183
baseline
▲ 0.50% · 4.625%
HK$108,622
+HK$5,439/mo
Deposit HK$2.14M · loan HK$19.30M · min. income ≈ HK$206,366/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$893,902 · Scale 2, in force from 26 Feb 2026)