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$49,433
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$50,971
−HK$1,562/mo
Today · 4.125%
HK$52,533
baseline
▲ 0.50% · 4.625%
HK$55,729
+HK$3,196/mo
Deposit HK$10.84M · loan HK$10.84M · min. income ≈ HK$105,066/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$917,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,994
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$56,469
−HK$1,496/mo
Today · 4.125%
HK$57,965
baseline
▲ 0.50% · 4.625%
HK$61,020
+HK$3,055/mo
Deposit HK$10.84M · loan HK$10.84M · min. income ≈ HK$115,930/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$917,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,320
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$61,165
−HK$1,874/mo
Today · 4.125%
HK$63,039
baseline
▲ 0.50% · 4.625%
HK$66,875
+HK$3,836/mo
Deposit HK$8.67M · loan HK$13.01M · min. income ≈ HK$126,078/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$917,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,992
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$67,762
−HK$1,796/mo
Today · 4.125%
HK$69,558
baseline
▲ 0.50% · 4.625%
HK$73,224
+HK$3,666/mo
Deposit HK$8.67M · loan HK$13.01M · min. income ≈ HK$139,116/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$917,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,206
−HK$4,340/mo
▼ 0.25% · 3.875%
HK$71,359
−HK$2,187/mo
Today · 4.125%
HK$73,546
baseline
▲ 0.50% · 4.625%
HK$78,021
+HK$4,475/mo
Deposit HK$6.50M · loan HK$15.18M · min. income ≈ HK$147,092/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$917,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,991
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$79,056
−HK$2,095/mo
Today · 4.125%
HK$81,151
baseline
▲ 0.50% · 4.625%
HK$85,428
+HK$4,277/mo
Deposit HK$6.50M · loan HK$15.18M · min. income ≈ HK$162,302/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$917,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,979
−HK$5,580/mo
▼ 0.25% · 3.875%
HK$91,747
−HK$2,812/mo
Today · 4.125%
HK$94,559
baseline
▲ 0.50% · 4.625%
HK$100,313
+HK$5,754/mo
Deposit HK$2.17M · loan HK$19.51M · min. income ≈ HK$189,118/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$917,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,989
−HK$5,348/mo
▼ 0.25% · 3.875%
HK$101,643
−HK$2,694/mo
Today · 4.125%
HK$104,337
baseline
▲ 0.50% · 4.625%
HK$109,836
+HK$5,499/mo
Deposit HK$2.17M · loan HK$19.51M · min. income ≈ HK$208,674/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$917,869 · Scale 2, in force from 26 Feb 2026)