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$48,890
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$50,411
−HK$1,545/mo
Today · 4.125%
HK$51,956
baseline
▲ 0.50% · 4.625%
HK$55,117
+HK$3,161/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$103,912/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$894,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,390
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$55,848
−HK$1,480/mo
Today · 4.125%
HK$57,328
baseline
▲ 0.50% · 4.625%
HK$60,350
+HK$3,022/mo
Deposit HK$10.72M · loan HK$10.72M · min. income ≈ HK$114,656/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$894,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,668
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$60,493
−HK$1,854/mo
Today · 4.125%
HK$62,347
baseline
▲ 0.50% · 4.625%
HK$66,141
+HK$3,794/mo
Deposit HK$8.58M · loan HK$12.86M · min. income ≈ HK$124,694/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$894,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,268
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$67,018
−HK$1,776/mo
Today · 4.125%
HK$68,794
baseline
▲ 0.50% · 4.625%
HK$72,420
+HK$3,626/mo
Deposit HK$8.58M · loan HK$12.86M · min. income ≈ HK$137,588/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$894,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,446
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$70,575
−HK$2,163/mo
Today · 4.125%
HK$72,738
baseline
▲ 0.50% · 4.625%
HK$77,164
+HK$4,426/mo
Deposit HK$6.43M · loan HK$15.01M · min. income ≈ HK$145,476/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$894,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,146
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$78,188
−HK$2,072/mo
Today · 4.125%
HK$80,260
baseline
▲ 0.50% · 4.625%
HK$84,490
+HK$4,230/mo
Deposit HK$6.43M · loan HK$15.01M · min. income ≈ HK$160,520/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$894,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,002
−HK$5,519/mo
▼ 0.25% · 3.875%
HK$90,740
−HK$2,781/mo
Today · 4.125%
HK$93,521
baseline
▲ 0.50% · 4.625%
HK$99,211
+HK$5,690/mo
Deposit HK$2.14M · loan HK$19.30M · min. income ≈ HK$187,042/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$894,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,902
−HK$5,289/mo
▼ 0.25% · 3.875%
HK$100,527
−HK$2,664/mo
Today · 4.125%
HK$103,191
baseline
▲ 0.50% · 4.625%
HK$108,630
+HK$5,439/mo
Deposit HK$2.14M · loan HK$19.30M · min. income ≈ HK$206,382/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$894,062 · Scale 2, in force from 26 Feb 2026)