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$48,837
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$50,356
−HK$1,543/mo
Today · 4.125%
HK$51,899
baseline
▲ 0.50% · 4.625%
HK$55,057
+HK$3,158/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$103,798/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$891,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,330
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$55,787
−HK$1,479/mo
Today · 4.125%
HK$57,266
baseline
▲ 0.50% · 4.625%
HK$60,284
+HK$3,018/mo
Deposit HK$10.71M · loan HK$10.71M · min. income ≈ HK$114,532/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$891,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,604
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$60,427
−HK$1,852/mo
Today · 4.125%
HK$62,279
baseline
▲ 0.50% · 4.625%
HK$66,069
+HK$3,790/mo
Deposit HK$8.57M · loan HK$12.85M · min. income ≈ HK$124,558/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$891,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,196
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$66,945
−HK$1,774/mo
Today · 4.125%
HK$68,719
baseline
▲ 0.50% · 4.625%
HK$72,341
+HK$3,622/mo
Deposit HK$8.57M · loan HK$12.85M · min. income ≈ HK$137,438/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$891,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,371
−HK$4,288/mo
▼ 0.25% · 3.875%
HK$70,498
−HK$2,161/mo
Today · 4.125%
HK$72,659
baseline
▲ 0.50% · 4.625%
HK$77,080
+HK$4,421/mo
Deposit HK$6.43M · loan HK$14.99M · min. income ≈ HK$145,318/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$891,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,062
−HK$4,110/mo
▼ 0.25% · 3.875%
HK$78,102
−HK$2,070/mo
Today · 4.125%
HK$80,172
baseline
▲ 0.50% · 4.625%
HK$84,398
+HK$4,226/mo
Deposit HK$6.43M · loan HK$14.99M · min. income ≈ HK$160,344/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$891,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,906
−HK$5,513/mo
▼ 0.25% · 3.875%
HK$90,640
−HK$2,779/mo
Today · 4.125%
HK$93,419
baseline
▲ 0.50% · 4.625%
HK$99,103
+HK$5,684/mo
Deposit HK$2.14M · loan HK$19.28M · min. income ≈ HK$186,838/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$891,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,795
−HK$5,283/mo
▼ 0.25% · 3.875%
HK$100,417
−HK$2,661/mo
Today · 4.125%
HK$103,078
baseline
▲ 0.50% · 4.625%
HK$108,511
+HK$5,433/mo
Deposit HK$2.14M · loan HK$19.28M · min. income ≈ HK$206,156/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$891,719 · Scale 2, in force from 26 Feb 2026)