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$48,562
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$50,073
−HK$1,534/mo
Today · 4.125%
HK$51,607
baseline
▲ 0.50% · 4.625%
HK$54,748
+HK$3,141/mo
Deposit HK$10.65M · loan HK$10.65M · min. income ≈ HK$103,214/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$879,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,025
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$55,474
−HK$1,470/mo
Today · 4.125%
HK$56,944
baseline
▲ 0.50% · 4.625%
HK$59,945
+HK$3,001/mo
Deposit HK$10.65M · loan HK$10.65M · min. income ≈ HK$113,888/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$879,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,274
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$60,087
−HK$1,842/mo
Today · 4.125%
HK$61,929
baseline
▲ 0.50% · 4.625%
HK$65,697
+HK$3,768/mo
Deposit HK$8.52M · loan HK$12.78M · min. income ≈ HK$123,858/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$879,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,830
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$66,568
−HK$1,764/mo
Today · 4.125%
HK$68,332
baseline
▲ 0.50% · 4.625%
HK$71,934
+HK$3,602/mo
Deposit HK$8.52M · loan HK$12.78M · min. income ≈ HK$136,664/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$879,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,987
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$70,102
−HK$2,148/mo
Today · 4.125%
HK$72,250
baseline
▲ 0.50% · 4.625%
HK$76,647
+HK$4,397/mo
Deposit HK$6.39M · loan HK$14.91M · min. income ≈ HK$144,500/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$879,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,635
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$77,663
−HK$2,058/mo
Today · 4.125%
HK$79,721
baseline
▲ 0.50% · 4.625%
HK$83,923
+HK$4,202/mo
Deposit HK$6.39M · loan HK$14.91M · min. income ≈ HK$159,442/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$879,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,412
−HK$5,481/mo
▼ 0.25% · 3.875%
HK$90,131
−HK$2,762/mo
Today · 4.125%
HK$92,893
baseline
▲ 0.50% · 4.625%
HK$98,546
+HK$5,653/mo
Deposit HK$2.13M · loan HK$19.17M · min. income ≈ HK$185,786/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$879,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,245
−HK$5,253/mo
▼ 0.25% · 3.875%
HK$99,853
−HK$2,645/mo
Today · 4.125%
HK$102,498
baseline
▲ 0.50% · 4.625%
HK$107,901
+HK$5,403/mo
Deposit HK$2.13M · loan HK$19.17M · min. income ≈ HK$204,996/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$879,676 · Scale 2, in force from 26 Feb 2026)