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$48,637
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$50,149
−HK$1,538/mo
Today · 4.125%
HK$51,687
baseline
▲ 0.50% · 4.625%
HK$54,832
+HK$3,145/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$103,374/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$882,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,108
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$55,559
−HK$1,472/mo
Today · 4.125%
HK$57,031
baseline
▲ 0.50% · 4.625%
HK$60,037
+HK$3,006/mo
Deposit HK$10.66M · loan HK$10.66M · min. income ≈ HK$114,062/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$882,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,364
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$60,179
−HK$1,845/mo
Today · 4.125%
HK$62,024
baseline
▲ 0.50% · 4.625%
HK$65,798
+HK$3,774/mo
Deposit HK$8.53M · loan HK$12.80M · min. income ≈ HK$124,048/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$882,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,929
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$66,671
−HK$1,766/mo
Today · 4.125%
HK$68,437
baseline
▲ 0.50% · 4.625%
HK$72,045
+HK$3,608/mo
Deposit HK$8.53M · loan HK$12.80M · min. income ≈ HK$136,874/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$882,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,091
−HK$4,270/mo
▼ 0.25% · 3.875%
HK$70,209
−HK$2,152/mo
Today · 4.125%
HK$72,361
baseline
▲ 0.50% · 4.625%
HK$76,764
+HK$4,403/mo
Deposit HK$6.40M · loan HK$14.93M · min. income ≈ HK$144,722/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$882,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,751
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$77,782
−HK$2,061/mo
Today · 4.125%
HK$79,843
baseline
▲ 0.50% · 4.625%
HK$84,052
+HK$4,209/mo
Deposit HK$6.40M · loan HK$14.93M · min. income ≈ HK$159,686/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$882,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,546
−HK$5,490/mo
▼ 0.25% · 3.875%
HK$90,269
−HK$2,767/mo
Today · 4.125%
HK$93,036
baseline
▲ 0.50% · 4.625%
HK$98,697
+HK$5,661/mo
Deposit HK$2.13M · loan HK$19.20M · min. income ≈ HK$186,072/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$882,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,394
−HK$5,262/mo
▼ 0.25% · 3.875%
HK$100,006
−HK$2,650/mo
Today · 4.125%
HK$102,656
baseline
▲ 0.50% · 4.625%
HK$108,067
+HK$5,411/mo
Deposit HK$2.13M · loan HK$19.20M · min. income ≈ HK$205,312/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$882,943 · Scale 2, in force from 26 Feb 2026)