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$48,558
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$50,069
−HK$1,535/mo
Today · 4.125%
HK$51,604
baseline
▲ 0.50% · 4.625%
HK$54,743
+HK$3,139/mo
Deposit HK$10.65M · loan HK$10.65M · min. income ≈ HK$103,208/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$879,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,021
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$55,470
−HK$1,469/mo
Today · 4.125%
HK$56,939
baseline
▲ 0.50% · 4.625%
HK$59,941
+HK$3,002/mo
Deposit HK$10.65M · loan HK$10.65M · min. income ≈ HK$113,878/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$879,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,270
−HK$3,654/mo
▼ 0.25% · 3.875%
HK$60,083
−HK$1,841/mo
Today · 4.125%
HK$61,924
baseline
▲ 0.50% · 4.625%
HK$65,692
+HK$3,768/mo
Deposit HK$8.52M · loan HK$12.78M · min. income ≈ HK$123,848/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$879,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,825
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$66,564
−HK$1,763/mo
Today · 4.125%
HK$68,327
baseline
▲ 0.50% · 4.625%
HK$71,929
+HK$3,602/mo
Deposit HK$8.52M · loan HK$12.78M · min. income ≈ HK$136,654/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$879,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,982
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$70,097
−HK$2,148/mo
Today · 4.125%
HK$72,245
baseline
▲ 0.50% · 4.625%
HK$76,641
+HK$4,396/mo
Deposit HK$6.39M · loan HK$14.91M · min. income ≈ HK$144,490/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$879,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,629
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$77,657
−HK$2,058/mo
Today · 4.125%
HK$79,715
baseline
▲ 0.50% · 4.625%
HK$83,917
+HK$4,202/mo
Deposit HK$6.39M · loan HK$14.91M · min. income ≈ HK$159,430/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$879,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,405
−HK$5,481/mo
▼ 0.25% · 3.875%
HK$90,124
−HK$2,762/mo
Today · 4.125%
HK$92,886
baseline
▲ 0.50% · 4.625%
HK$98,538
+HK$5,652/mo
Deposit HK$2.13M · loan HK$19.17M · min. income ≈ HK$185,772/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$879,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,237
−HK$5,254/mo
▼ 0.25% · 3.875%
HK$99,845
−HK$2,646/mo
Today · 4.125%
HK$102,491
baseline
▲ 0.50% · 4.625%
HK$107,893
+HK$5,402/mo
Deposit HK$2.13M · loan HK$19.17M · min. income ≈ HK$204,982/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$879,519 · Scale 2, in force from 26 Feb 2026)