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$48,828
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$50,347
−HK$1,543/mo
Today · 4.125%
HK$51,890
baseline
▲ 0.50% · 4.625%
HK$55,048
+HK$3,158/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$103,780/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$891,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,321
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$55,778
−HK$1,478/mo
Today · 4.125%
HK$57,256
baseline
▲ 0.50% · 4.625%
HK$60,274
+HK$3,018/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$114,512/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$891,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,594
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$60,416
−HK$1,852/mo
Today · 4.125%
HK$62,268
baseline
▲ 0.50% · 4.625%
HK$66,057
+HK$3,789/mo
Deposit HK$8.57M · loan HK$12.85M · min. income ≈ HK$124,536/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$891,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,185
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$66,933
−HK$1,774/mo
Today · 4.125%
HK$68,707
baseline
▲ 0.50% · 4.625%
HK$72,328
+HK$3,621/mo
Deposit HK$8.57M · loan HK$12.85M · min. income ≈ HK$137,414/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$891,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,360
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$70,486
−HK$2,160/mo
Today · 4.125%
HK$72,646
baseline
▲ 0.50% · 4.625%
HK$77,067
+HK$4,421/mo
Deposit HK$6.42M · loan HK$14.99M · min. income ≈ HK$145,292/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$891,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,049
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$78,089
−HK$2,069/mo
Today · 4.125%
HK$80,158
baseline
▲ 0.50% · 4.625%
HK$84,383
+HK$4,225/mo
Deposit HK$6.42M · loan HK$14.99M · min. income ≈ HK$160,316/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$891,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,891
−HK$5,511/mo
▼ 0.25% · 3.875%
HK$90,625
−HK$2,777/mo
Today · 4.125%
HK$93,402
baseline
▲ 0.50% · 4.625%
HK$99,086
+HK$5,684/mo
Deposit HK$2.14M · loan HK$19.27M · min. income ≈ HK$186,804/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$891,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,778
−HK$5,282/mo
▼ 0.25% · 3.875%
HK$100,400
−HK$2,660/mo
Today · 4.125%
HK$103,060
baseline
▲ 0.50% · 4.625%
HK$108,493
+HK$5,433/mo
Deposit HK$2.14M · loan HK$19.27M · min. income ≈ HK$206,120/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$891,348 · Scale 2, in force from 26 Feb 2026)