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$49,413
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$50,950
−HK$1,561/mo
Today · 4.125%
HK$52,511
baseline
▲ 0.50% · 4.625%
HK$55,707
+HK$3,196/mo
Deposit HK$10.83M · loan HK$10.83M · min. income ≈ HK$105,022/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$916,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,971
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$56,446
−HK$1,495/mo
Today · 4.125%
HK$57,941
baseline
▲ 0.50% · 4.625%
HK$60,995
+HK$3,054/mo
Deposit HK$10.83M · loan HK$10.83M · min. income ≈ HK$115,882/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$916,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,295
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$61,140
−HK$1,874/mo
Today · 4.125%
HK$63,014
baseline
▲ 0.50% · 4.625%
HK$66,848
+HK$3,834/mo
Deposit HK$8.67M · loan HK$13.00M · min. income ≈ HK$126,028/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$916,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,966
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$67,735
−HK$1,795/mo
Today · 4.125%
HK$69,530
baseline
▲ 0.50% · 4.625%
HK$73,195
+HK$3,665/mo
Deposit HK$8.67M · loan HK$13.00M · min. income ≈ HK$139,060/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$916,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,178
−HK$4,338/mo
▼ 0.25% · 3.875%
HK$71,330
−HK$2,186/mo
Today · 4.125%
HK$73,516
baseline
▲ 0.50% · 4.625%
HK$77,989
+HK$4,473/mo
Deposit HK$6.50M · loan HK$15.17M · min. income ≈ HK$147,032/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$916,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,960
−HK$4,158/mo
▼ 0.25% · 3.875%
HK$79,024
−HK$2,094/mo
Today · 4.125%
HK$81,118
baseline
▲ 0.50% · 4.625%
HK$85,394
+HK$4,276/mo
Deposit HK$6.50M · loan HK$15.17M · min. income ≈ HK$162,236/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$916,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,943
−HK$5,578/mo
▼ 0.25% · 3.875%
HK$91,710
−HK$2,811/mo
Today · 4.125%
HK$94,521
baseline
▲ 0.50% · 4.625%
HK$100,272
+HK$5,751/mo
Deposit HK$2.17M · loan HK$19.50M · min. income ≈ HK$189,042/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$916,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,948
−HK$5,346/mo
▼ 0.25% · 3.875%
HK$101,602
−HK$2,692/mo
Today · 4.125%
HK$104,294
baseline
▲ 0.50% · 4.625%
HK$109,792
+HK$5,498/mo
Deposit HK$2.17M · loan HK$19.50M · min. income ≈ HK$208,588/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$916,988 · Scale 2, in force from 26 Feb 2026)