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$48,321
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$49,825
−HK$1,527/mo
Today · 4.125%
HK$51,352
baseline
▲ 0.50% · 4.625%
HK$54,476
+HK$3,124/mo
Deposit HK$10.60M · loan HK$10.60M · min. income ≈ HK$102,704/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$869,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,757
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$55,199
−HK$1,463/mo
Today · 4.125%
HK$56,662
baseline
▲ 0.50% · 4.625%
HK$59,648
+HK$2,986/mo
Deposit HK$10.60M · loan HK$10.60M · min. income ≈ HK$113,324/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$869,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,986
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$59,789
−HK$1,833/mo
Today · 4.125%
HK$61,622
baseline
▲ 0.50% · 4.625%
HK$65,372
+HK$3,750/mo
Deposit HK$8.48M · loan HK$12.71M · min. income ≈ HK$123,244/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$869,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,509
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$66,239
−HK$1,755/mo
Today · 4.125%
HK$67,994
baseline
▲ 0.50% · 4.625%
HK$71,578
+HK$3,584/mo
Deposit HK$8.48M · loan HK$12.71M · min. income ≈ HK$135,988/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$869,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,650
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$69,754
−HK$2,138/mo
Today · 4.125%
HK$71,892
baseline
▲ 0.50% · 4.625%
HK$76,267
+HK$4,375/mo
Deposit HK$6.36M · loan HK$14.83M · min. income ≈ HK$143,784/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$869,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,260
−HK$4,066/mo
▼ 0.25% · 3.875%
HK$77,278
−HK$2,048/mo
Today · 4.125%
HK$79,326
baseline
▲ 0.50% · 4.625%
HK$83,507
+HK$4,181/mo
Deposit HK$6.36M · loan HK$14.83M · min. income ≈ HK$158,652/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$869,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,979
−HK$5,454/mo
▼ 0.25% · 3.875%
HK$89,684
−HK$2,749/mo
Today · 4.125%
HK$92,433
baseline
▲ 0.50% · 4.625%
HK$98,057
+HK$5,624/mo
Deposit HK$2.12M · loan HK$19.07M · min. income ≈ HK$184,866/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$869,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,763
−HK$5,228/mo
▼ 0.25% · 3.875%
HK$99,358
−HK$2,633/mo
Today · 4.125%
HK$101,991
baseline
▲ 0.50% · 4.625%
HK$107,367
+HK$5,376/mo
Deposit HK$2.12M · loan HK$19.07M · min. income ≈ HK$203,982/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$869,126 · Scale 2, in force from 26 Feb 2026)