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$48,578
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$50,089
−HK$1,535/mo
Today · 4.125%
HK$51,624
baseline
▲ 0.50% · 4.625%
HK$54,766
+HK$3,142/mo
Deposit HK$10.65M · loan HK$10.65M · min. income ≈ HK$103,248/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$880,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,043
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$55,492
−HK$1,470/mo
Today · 4.125%
HK$56,962
baseline
▲ 0.50% · 4.625%
HK$59,965
+HK$3,003/mo
Deposit HK$10.65M · loan HK$10.65M · min. income ≈ HK$113,924/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$880,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,294
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$60,107
−HK$1,842/mo
Today · 4.125%
HK$61,949
baseline
▲ 0.50% · 4.625%
HK$65,719
+HK$3,770/mo
Deposit HK$8.52M · loan HK$12.78M · min. income ≈ HK$123,898/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$880,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,851
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$66,590
−HK$1,765/mo
Today · 4.125%
HK$68,355
baseline
▲ 0.50% · 4.625%
HK$71,958
+HK$3,603/mo
Deposit HK$8.52M · loan HK$12.78M · min. income ≈ HK$136,710/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$880,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,009
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$70,125
−HK$2,149/mo
Today · 4.125%
HK$72,274
baseline
▲ 0.50% · 4.625%
HK$76,672
+HK$4,398/mo
Deposit HK$6.39M · loan HK$14.91M · min. income ≈ HK$144,548/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$880,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,660
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$77,689
−HK$2,058/mo
Today · 4.125%
HK$79,747
baseline
▲ 0.50% · 4.625%
HK$83,951
+HK$4,204/mo
Deposit HK$6.39M · loan HK$14.91M · min. income ≈ HK$159,494/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$880,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,441
−HK$5,483/mo
▼ 0.25% · 3.875%
HK$90,160
−HK$2,764/mo
Today · 4.125%
HK$92,924
baseline
▲ 0.50% · 4.625%
HK$98,578
+HK$5,654/mo
Deposit HK$2.13M · loan HK$19.17M · min. income ≈ HK$185,848/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$880,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,277
−HK$5,255/mo
▼ 0.25% · 3.875%
HK$99,886
−HK$2,646/mo
Today · 4.125%
HK$102,532
baseline
▲ 0.50% · 4.625%
HK$107,937
+HK$5,405/mo
Deposit HK$2.13M · loan HK$19.17M · min. income ≈ HK$205,064/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$880,380 · Scale 2, in force from 26 Feb 2026)