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$49,158
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$50,687
−HK$1,554/mo
Today · 4.125%
HK$52,241
baseline
▲ 0.50% · 4.625%
HK$55,419
+HK$3,178/mo
Deposit HK$10.78M · loan HK$10.78M · min. income ≈ HK$104,482/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$905,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,688
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$56,155
−HK$1,487/mo
Today · 4.125%
HK$57,642
baseline
▲ 0.50% · 4.625%
HK$60,681
+HK$3,039/mo
Deposit HK$10.78M · loan HK$10.78M · min. income ≈ HK$115,284/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$905,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,990
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$60,825
−HK$1,864/mo
Today · 4.125%
HK$62,689
baseline
▲ 0.50% · 4.625%
HK$66,503
+HK$3,814/mo
Deposit HK$8.62M · loan HK$12.93M · min. income ≈ HK$125,378/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$905,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,625
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$67,385
−HK$1,786/mo
Today · 4.125%
HK$69,171
baseline
▲ 0.50% · 4.625%
HK$72,817
+HK$3,646/mo
Deposit HK$8.62M · loan HK$12.93M · min. income ≈ HK$138,342/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$905,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,821
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$70,962
−HK$2,175/mo
Today · 4.125%
HK$73,137
baseline
▲ 0.50% · 4.625%
HK$77,587
+HK$4,450/mo
Deposit HK$6.47M · loan HK$15.09M · min. income ≈ HK$146,274/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$905,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,563
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$78,616
−HK$2,083/mo
Today · 4.125%
HK$80,699
baseline
▲ 0.50% · 4.625%
HK$84,953
+HK$4,254/mo
Deposit HK$6.47M · loan HK$15.09M · min. income ≈ HK$161,398/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$905,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,484
−HK$5,549/mo
▼ 0.25% · 3.875%
HK$91,237
−HK$2,796/mo
Today · 4.125%
HK$94,033
baseline
▲ 0.50% · 4.625%
HK$99,755
+HK$5,722/mo
Deposit HK$2.16M · loan HK$19.40M · min. income ≈ HK$188,066/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$905,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,438
−HK$5,318/mo
▼ 0.25% · 3.875%
HK$101,078
−HK$2,678/mo
Today · 4.125%
HK$103,756
baseline
▲ 0.50% · 4.625%
HK$109,226
+HK$5,470/mo
Deposit HK$2.16M · loan HK$19.40M · min. income ≈ HK$207,512/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$905,813 · Scale 2, in force from 26 Feb 2026)