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$49,153
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$50,682
−HK$1,554/mo
Today · 4.125%
HK$52,236
baseline
▲ 0.50% · 4.625%
HK$55,414
+HK$3,178/mo
Deposit HK$10.78M · loan HK$10.78M · min. income ≈ HK$104,472/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$905,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,683
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$56,149
−HK$1,488/mo
Today · 4.125%
HK$57,637
baseline
▲ 0.50% · 4.625%
HK$60,675
+HK$3,038/mo
Deposit HK$10.78M · loan HK$10.78M · min. income ≈ HK$115,274/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$905,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,984
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$60,819
−HK$1,864/mo
Today · 4.125%
HK$62,683
baseline
▲ 0.50% · 4.625%
HK$66,497
+HK$3,814/mo
Deposit HK$8.62M · loan HK$12.93M · min. income ≈ HK$125,366/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$905,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,619
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$67,379
−HK$1,785/mo
Today · 4.125%
HK$69,164
baseline
▲ 0.50% · 4.625%
HK$72,810
+HK$3,646/mo
Deposit HK$8.62M · loan HK$12.93M · min. income ≈ HK$138,328/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$905,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,815
−HK$4,315/mo
▼ 0.25% · 3.875%
HK$70,955
−HK$2,175/mo
Today · 4.125%
HK$73,130
baseline
▲ 0.50% · 4.625%
HK$77,580
+HK$4,450/mo
Deposit HK$6.47M · loan HK$15.09M · min. income ≈ HK$146,260/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$905,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,556
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$78,609
−HK$2,083/mo
Today · 4.125%
HK$80,692
baseline
▲ 0.50% · 4.625%
HK$84,945
+HK$4,253/mo
Deposit HK$6.47M · loan HK$15.09M · min. income ≈ HK$161,384/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$905,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,476
−HK$5,548/mo
▼ 0.25% · 3.875%
HK$91,228
−HK$2,796/mo
Today · 4.125%
HK$94,024
baseline
▲ 0.50% · 4.625%
HK$99,745
+HK$5,721/mo
Deposit HK$2.16M · loan HK$19.40M · min. income ≈ HK$188,048/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$905,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,429
−HK$5,317/mo
▼ 0.25% · 3.875%
HK$101,068
−HK$2,678/mo
Today · 4.125%
HK$103,746
baseline
▲ 0.50% · 4.625%
HK$109,215
+HK$5,469/mo
Deposit HK$2.16M · loan HK$19.40M · min. income ≈ HK$207,492/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$905,606 · Scale 2, in force from 26 Feb 2026)