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$48,810
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$50,329
−HK$1,542/mo
Today · 4.125%
HK$51,871
baseline
▲ 0.50% · 4.625%
HK$55,027
+HK$3,156/mo
Deposit HK$10.70M · loan HK$10.70M · min. income ≈ HK$103,742/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$890,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,301
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$55,757
−HK$1,478/mo
Today · 4.125%
HK$57,235
baseline
▲ 0.50% · 4.625%
HK$60,252
+HK$3,017/mo
Deposit HK$10.70M · loan HK$10.70M · min. income ≈ HK$114,470/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$890,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,572
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$60,394
−HK$1,852/mo
Today · 4.125%
HK$62,246
baseline
▲ 0.50% · 4.625%
HK$66,033
+HK$3,787/mo
Deposit HK$8.56M · loan HK$12.84M · min. income ≈ HK$124,492/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$890,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,161
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$66,909
−HK$1,773/mo
Today · 4.125%
HK$68,682
baseline
▲ 0.50% · 4.625%
HK$72,302
+HK$3,620/mo
Deposit HK$8.56M · loan HK$12.84M · min. income ≈ HK$137,364/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$890,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,335
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$70,460
−HK$2,160/mo
Today · 4.125%
HK$72,620
baseline
▲ 0.50% · 4.625%
HK$77,038
+HK$4,418/mo
Deposit HK$6.42M · loan HK$14.98M · min. income ≈ HK$145,240/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$890,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,022
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$78,060
−HK$2,069/mo
Today · 4.125%
HK$80,129
baseline
▲ 0.50% · 4.625%
HK$84,352
+HK$4,223/mo
Deposit HK$6.42M · loan HK$14.98M · min. income ≈ HK$160,258/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$890,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,859
−HK$5,509/mo
▼ 0.25% · 3.875%
HK$90,592
−HK$2,776/mo
Today · 4.125%
HK$93,368
baseline
▲ 0.50% · 4.625%
HK$99,049
+HK$5,681/mo
Deposit HK$2.14M · loan HK$19.27M · min. income ≈ HK$186,736/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$890,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,742
−HK$5,281/mo
▼ 0.25% · 3.875%
HK$100,363
−HK$2,660/mo
Today · 4.125%
HK$103,023
baseline
▲ 0.50% · 4.625%
HK$108,453
+HK$5,430/mo
Deposit HK$2.14M · loan HK$19.27M · min. income ≈ HK$206,046/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$890,567 · Scale 2, in force from 26 Feb 2026)