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$48,843
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$50,362
−HK$1,544/mo
Today · 4.125%
HK$51,906
baseline
▲ 0.50% · 4.625%
HK$55,064
+HK$3,158/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$103,812/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$891,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,337
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$55,795
−HK$1,478/mo
Today · 4.125%
HK$57,273
baseline
▲ 0.50% · 4.625%
HK$60,292
+HK$3,019/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$114,546/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$891,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,612
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$60,435
−HK$1,852/mo
Today · 4.125%
HK$62,287
baseline
▲ 0.50% · 4.625%
HK$66,077
+HK$3,790/mo
Deposit HK$8.57M · loan HK$12.85M · min. income ≈ HK$124,574/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$891,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,205
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$66,954
−HK$1,774/mo
Today · 4.125%
HK$68,728
baseline
▲ 0.50% · 4.625%
HK$72,350
+HK$3,622/mo
Deposit HK$8.57M · loan HK$12.85M · min. income ≈ HK$137,456/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$891,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,380
−HK$4,288/mo
▼ 0.25% · 3.875%
HK$70,507
−HK$2,161/mo
Today · 4.125%
HK$72,668
baseline
▲ 0.50% · 4.625%
HK$77,090
+HK$4,422/mo
Deposit HK$6.43M · loan HK$14.99M · min. income ≈ HK$145,336/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$891,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,072
−HK$4,110/mo
▼ 0.25% · 3.875%
HK$78,112
−HK$2,070/mo
Today · 4.125%
HK$80,182
baseline
▲ 0.50% · 4.625%
HK$84,409
+HK$4,227/mo
Deposit HK$6.43M · loan HK$14.99M · min. income ≈ HK$160,364/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$891,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,917
−HK$5,514/mo
▼ 0.25% · 3.875%
HK$90,652
−HK$2,779/mo
Today · 4.125%
HK$93,431
baseline
▲ 0.50% · 4.625%
HK$99,116
+HK$5,685/mo
Deposit HK$2.14M · loan HK$19.28M · min. income ≈ HK$186,862/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$891,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,807
−HK$5,284/mo
▼ 0.25% · 3.875%
HK$100,430
−HK$2,661/mo
Today · 4.125%
HK$103,091
baseline
▲ 0.50% · 4.625%
HK$108,525
+HK$5,434/mo
Deposit HK$2.14M · loan HK$19.28M · min. income ≈ HK$206,182/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$891,995 · Scale 2, in force from 26 Feb 2026)