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$48,110
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$49,606
−HK$1,521/mo
Today · 4.125%
HK$51,127
baseline
▲ 0.50% · 4.625%
HK$54,238
+HK$3,111/mo
Deposit HK$10.55M · loan HK$10.55M · min. income ≈ HK$102,254/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$859,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,522
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$54,957
−HK$1,457/mo
Today · 4.125%
HK$56,414
baseline
▲ 0.50% · 4.625%
HK$59,387
+HK$2,973/mo
Deposit HK$10.55M · loan HK$10.55M · min. income ≈ HK$112,828/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$859,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,732
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$59,528
−HK$1,824/mo
Today · 4.125%
HK$61,352
baseline
▲ 0.50% · 4.625%
HK$65,085
+HK$3,733/mo
Deposit HK$8.44M · loan HK$12.66M · min. income ≈ HK$122,704/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$859,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,226
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$65,949
−HK$1,747/mo
Today · 4.125%
HK$67,696
baseline
▲ 0.50% · 4.625%
HK$71,265
+HK$3,569/mo
Deposit HK$8.44M · loan HK$12.66M · min. income ≈ HK$135,392/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$859,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,354
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$69,449
−HK$2,129/mo
Today · 4.125%
HK$71,578
baseline
▲ 0.50% · 4.625%
HK$75,933
+HK$4,355/mo
Deposit HK$6.33M · loan HK$14.77M · min. income ≈ HK$143,156/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$859,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,931
−HK$4,048/mo
▼ 0.25% · 3.875%
HK$76,940
−HK$2,039/mo
Today · 4.125%
HK$78,979
baseline
▲ 0.50% · 4.625%
HK$83,142
+HK$4,163/mo
Deposit HK$6.33M · loan HK$14.77M · min. income ≈ HK$157,958/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$859,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,598
−HK$5,430/mo
▼ 0.25% · 3.875%
HK$89,292
−HK$2,736/mo
Today · 4.125%
HK$92,028
baseline
▲ 0.50% · 4.625%
HK$97,628
+HK$5,600/mo
Deposit HK$2.11M · loan HK$18.99M · min. income ≈ HK$184,056/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$859,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,339
−HK$5,205/mo
▼ 0.25% · 3.875%
HK$98,923
−HK$2,621/mo
Today · 4.125%
HK$101,544
baseline
▲ 0.50% · 4.625%
HK$106,897
+HK$5,353/mo
Deposit HK$2.11M · loan HK$18.99M · min. income ≈ HK$203,088/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$859,851 · Scale 2, in force from 26 Feb 2026)