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$48,626
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$50,138
−HK$1,537/mo
Today · 4.125%
HK$51,675
baseline
▲ 0.50% · 4.625%
HK$54,819
+HK$3,144/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$103,350/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$882,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,095
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$55,546
−HK$1,472/mo
Today · 4.125%
HK$57,018
baseline
▲ 0.50% · 4.625%
HK$60,024
+HK$3,006/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$114,036/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$882,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,351
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$60,166
−HK$1,844/mo
Today · 4.125%
HK$62,010
baseline
▲ 0.50% · 4.625%
HK$65,783
+HK$3,773/mo
Deposit HK$8.53M · loan HK$12.79M · min. income ≈ HK$124,020/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$882,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,915
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$66,655
−HK$1,767/mo
Today · 4.125%
HK$68,422
baseline
▲ 0.50% · 4.625%
HK$72,028
+HK$3,606/mo
Deposit HK$8.53M · loan HK$12.79M · min. income ≈ HK$136,844/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$882,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,076
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$70,193
−HK$2,152/mo
Today · 4.125%
HK$72,345
baseline
▲ 0.50% · 4.625%
HK$76,747
+HK$4,402/mo
Deposit HK$6.40M · loan HK$14.93M · min. income ≈ HK$144,690/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$882,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,734
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$77,765
−HK$2,060/mo
Today · 4.125%
HK$79,825
baseline
▲ 0.50% · 4.625%
HK$84,033
+HK$4,208/mo
Deposit HK$6.40M · loan HK$14.93M · min. income ≈ HK$159,650/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$882,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,526
−HK$5,489/mo
▼ 0.25% · 3.875%
HK$90,249
−HK$2,766/mo
Today · 4.125%
HK$93,015
baseline
▲ 0.50% · 4.625%
HK$98,674
+HK$5,659/mo
Deposit HK$2.13M · loan HK$19.19M · min. income ≈ HK$186,030/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$882,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,372
−HK$5,260/mo
▼ 0.25% · 3.875%
HK$99,983
−HK$2,649/mo
Today · 4.125%
HK$102,632
baseline
▲ 0.50% · 4.625%
HK$108,042
+HK$5,410/mo
Deposit HK$2.13M · loan HK$19.19M · min. income ≈ HK$205,264/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$882,460 · Scale 2, in force from 26 Feb 2026)