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$48,433
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$49,939
−HK$1,531/mo
Today · 4.125%
HK$51,470
baseline
▲ 0.50% · 4.625%
HK$54,602
+HK$3,132/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$102,940/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$874,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,881
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$55,326
−HK$1,466/mo
Today · 4.125%
HK$56,792
baseline
▲ 0.50% · 4.625%
HK$59,786
+HK$2,994/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$113,584/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$874,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,119
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$59,927
−HK$1,837/mo
Today · 4.125%
HK$61,764
baseline
▲ 0.50% · 4.625%
HK$65,522
+HK$3,758/mo
Deposit HK$8.50M · loan HK$12.74M · min. income ≈ HK$123,528/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$874,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,657
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$66,391
−HK$1,759/mo
Today · 4.125%
HK$68,150
baseline
▲ 0.50% · 4.625%
HK$71,743
+HK$3,593/mo
Deposit HK$8.50M · loan HK$12.74M · min. income ≈ HK$136,300/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$874,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,806
−HK$4,252/mo
▼ 0.25% · 3.875%
HK$69,915
−HK$2,143/mo
Today · 4.125%
HK$72,058
baseline
▲ 0.50% · 4.625%
HK$76,443
+HK$4,385/mo
Deposit HK$6.37M · loan HK$14.87M · min. income ≈ HK$144,116/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$874,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,433
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$77,457
−HK$2,052/mo
Today · 4.125%
HK$79,509
baseline
▲ 0.50% · 4.625%
HK$83,700
+HK$4,191/mo
Deposit HK$6.37M · loan HK$14.87M · min. income ≈ HK$159,018/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$874,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,179
−HK$5,467/mo
▼ 0.25% · 3.875%
HK$89,891
−HK$2,755/mo
Today · 4.125%
HK$92,646
baseline
▲ 0.50% · 4.625%
HK$98,283
+HK$5,637/mo
Deposit HK$2.12M · loan HK$19.12M · min. income ≈ HK$185,292/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$874,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,986
−HK$5,240/mo
▼ 0.25% · 3.875%
HK$99,587
−HK$2,639/mo
Today · 4.125%
HK$102,226
baseline
▲ 0.50% · 4.625%
HK$107,614
+HK$5,388/mo
Deposit HK$2.12M · loan HK$19.12M · min. income ≈ HK$204,452/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$874,008 · Scale 2, in force from 26 Feb 2026)