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$48,857
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$50,377
−HK$1,544/mo
Today · 4.125%
HK$51,921
baseline
▲ 0.50% · 4.625%
HK$55,081
+HK$3,160/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$103,842/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$892,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,353
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$55,811
−HK$1,479/mo
Today · 4.125%
HK$57,290
baseline
▲ 0.50% · 4.625%
HK$60,310
+HK$3,020/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$114,580/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$892,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,629
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$60,453
−HK$1,852/mo
Today · 4.125%
HK$62,305
baseline
▲ 0.50% · 4.625%
HK$66,097
+HK$3,792/mo
Deposit HK$8.57M · loan HK$12.86M · min. income ≈ HK$124,610/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$892,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,224
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$66,973
−HK$1,775/mo
Today · 4.125%
HK$68,748
baseline
▲ 0.50% · 4.625%
HK$72,372
+HK$3,624/mo
Deposit HK$8.57M · loan HK$12.86M · min. income ≈ HK$137,496/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$892,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,400
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$70,528
−HK$2,162/mo
Today · 4.125%
HK$72,690
baseline
▲ 0.50% · 4.625%
HK$77,113
+HK$4,423/mo
Deposit HK$6.43M · loan HK$15.00M · min. income ≈ HK$145,380/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$892,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,095
−HK$4,111/mo
▼ 0.25% · 3.875%
HK$78,136
−HK$2,070/mo
Today · 4.125%
HK$80,206
baseline
▲ 0.50% · 4.625%
HK$84,434
+HK$4,228/mo
Deposit HK$6.43M · loan HK$15.00M · min. income ≈ HK$160,412/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$892,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,943
−HK$5,515/mo
▼ 0.25% · 3.875%
HK$90,679
−HK$2,779/mo
Today · 4.125%
HK$93,458
baseline
▲ 0.50% · 4.625%
HK$99,145
+HK$5,687/mo
Deposit HK$2.14M · loan HK$19.28M · min. income ≈ HK$186,916/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$892,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,836
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$100,460
−HK$2,662/mo
Today · 4.125%
HK$103,122
baseline
▲ 0.50% · 4.625%
HK$108,558
+HK$5,436/mo
Deposit HK$2.14M · loan HK$19.28M · min. income ≈ HK$206,244/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$892,630 · Scale 2, in force from 26 Feb 2026)