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$48,925
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$50,447
−HK$1,546/mo
Today · 4.125%
HK$51,993
baseline
▲ 0.50% · 4.625%
HK$55,157
+HK$3,164/mo
Deposit HK$10.73M · loan HK$10.73M · min. income ≈ HK$103,986/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$895,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,429
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$55,888
−HK$1,481/mo
Today · 4.125%
HK$57,369
baseline
▲ 0.50% · 4.625%
HK$60,393
+HK$3,024/mo
Deposit HK$10.73M · loan HK$10.73M · min. income ≈ HK$114,738/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$895,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,710
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$60,536
−HK$1,856/mo
Today · 4.125%
HK$62,392
baseline
▲ 0.50% · 4.625%
HK$66,188
+HK$3,796/mo
Deposit HK$8.58M · loan HK$12.87M · min. income ≈ HK$124,784/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$895,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,314
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$67,066
−HK$1,777/mo
Today · 4.125%
HK$68,843
baseline
▲ 0.50% · 4.625%
HK$72,472
+HK$3,629/mo
Deposit HK$8.58M · loan HK$12.87M · min. income ≈ HK$137,686/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$895,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,495
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$70,626
−HK$2,164/mo
Today · 4.125%
HK$72,790
baseline
▲ 0.50% · 4.625%
HK$77,220
+HK$4,430/mo
Deposit HK$6.44M · loan HK$15.02M · min. income ≈ HK$145,580/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$895,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,200
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$78,244
−HK$2,073/mo
Today · 4.125%
HK$80,317
baseline
▲ 0.50% · 4.625%
HK$84,551
+HK$4,234/mo
Deposit HK$6.44M · loan HK$15.02M · min. income ≈ HK$160,634/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$895,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,065
−HK$5,523/mo
▼ 0.25% · 3.875%
HK$90,805
−HK$2,783/mo
Today · 4.125%
HK$93,588
baseline
▲ 0.50% · 4.625%
HK$99,282
+HK$5,694/mo
Deposit HK$2.15M · loan HK$19.31M · min. income ≈ HK$187,176/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$895,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,972
−HK$5,293/mo
▼ 0.25% · 3.875%
HK$100,599
−HK$2,666/mo
Today · 4.125%
HK$103,265
baseline
▲ 0.50% · 4.625%
HK$108,708
+HK$5,443/mo
Deposit HK$2.15M · loan HK$19.31M · min. income ≈ HK$206,530/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$895,598 · Scale 2, in force from 26 Feb 2026)