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$48,136
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$49,633
−HK$1,522/mo
Today · 4.125%
HK$51,155
baseline
▲ 0.50% · 4.625%
HK$54,267
+HK$3,112/mo
Deposit HK$10.55M · loan HK$10.55M · min. income ≈ HK$102,310/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$860,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,551
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$54,987
−HK$1,457/mo
Today · 4.125%
HK$56,444
baseline
▲ 0.50% · 4.625%
HK$59,419
+HK$2,975/mo
Deposit HK$10.55M · loan HK$10.55M · min. income ≈ HK$112,888/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$860,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,763
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$59,560
−HK$1,826/mo
Today · 4.125%
HK$61,386
baseline
▲ 0.50% · 4.625%
HK$65,121
+HK$3,735/mo
Deposit HK$8.44M · loan HK$12.67M · min. income ≈ HK$122,772/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$860,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,261
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$65,985
−HK$1,748/mo
Today · 4.125%
HK$67,733
baseline
▲ 0.50% · 4.625%
HK$71,303
+HK$3,570/mo
Deposit HK$8.44M · loan HK$12.67M · min. income ≈ HK$135,466/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$860,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,391
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$69,487
−HK$2,130/mo
Today · 4.125%
HK$71,617
baseline
▲ 0.50% · 4.625%
HK$75,974
+HK$4,357/mo
Deposit HK$6.33M · loan HK$14.78M · min. income ≈ HK$143,234/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$860,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,971
−HK$4,051/mo
▼ 0.25% · 3.875%
HK$76,982
−HK$2,040/mo
Today · 4.125%
HK$79,022
baseline
▲ 0.50% · 4.625%
HK$83,187
+HK$4,165/mo
Deposit HK$6.33M · loan HK$14.78M · min. income ≈ HK$158,044/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$860,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,645
−HK$5,433/mo
▼ 0.25% · 3.875%
HK$89,340
−HK$2,738/mo
Today · 4.125%
HK$92,078
baseline
▲ 0.50% · 4.625%
HK$97,681
+HK$5,603/mo
Deposit HK$2.11M · loan HK$19.00M · min. income ≈ HK$184,156/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$860,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,392
−HK$5,207/mo
▼ 0.25% · 3.875%
HK$98,977
−HK$2,622/mo
Today · 4.125%
HK$101,599
baseline
▲ 0.50% · 4.625%
HK$106,955
+HK$5,356/mo
Deposit HK$2.11M · loan HK$19.00M · min. income ≈ HK$203,198/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$860,996 · Scale 2, in force from 26 Feb 2026)