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$48,556
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$50,067
−HK$1,534/mo
Today · 4.125%
HK$51,601
baseline
▲ 0.50% · 4.625%
HK$54,741
+HK$3,140/mo
Deposit HK$10.65M · loan HK$10.65M · min. income ≈ HK$103,202/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$879,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,018
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$55,467
−HK$1,470/mo
Today · 4.125%
HK$56,937
baseline
▲ 0.50% · 4.625%
HK$59,938
+HK$3,001/mo
Deposit HK$10.65M · loan HK$10.65M · min. income ≈ HK$113,874/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$879,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,268
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$60,080
−HK$1,841/mo
Today · 4.125%
HK$61,921
baseline
▲ 0.50% · 4.625%
HK$65,689
+HK$3,768/mo
Deposit HK$8.52M · loan HK$12.78M · min. income ≈ HK$123,842/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$879,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,822
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$66,561
−HK$1,763/mo
Today · 4.125%
HK$68,324
baseline
▲ 0.50% · 4.625%
HK$71,926
+HK$3,602/mo
Deposit HK$8.52M · loan HK$12.78M · min. income ≈ HK$136,648/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$879,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,979
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$70,093
−HK$2,149/mo
Today · 4.125%
HK$72,242
baseline
▲ 0.50% · 4.625%
HK$76,637
+HK$4,395/mo
Deposit HK$6.39M · loan HK$14.91M · min. income ≈ HK$144,484/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$879,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,626
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$77,654
−HK$2,058/mo
Today · 4.125%
HK$79,712
baseline
▲ 0.50% · 4.625%
HK$83,913
+HK$4,201/mo
Deposit HK$6.39M · loan HK$14.91M · min. income ≈ HK$159,424/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$879,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,401
−HK$5,481/mo
▼ 0.25% · 3.875%
HK$90,120
−HK$2,762/mo
Today · 4.125%
HK$92,882
baseline
▲ 0.50% · 4.625%
HK$98,534
+HK$5,652/mo
Deposit HK$2.13M · loan HK$19.16M · min. income ≈ HK$185,764/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$879,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,233
−HK$5,253/mo
▼ 0.25% · 3.875%
HK$99,841
−HK$2,645/mo
Today · 4.125%
HK$102,486
baseline
▲ 0.50% · 4.625%
HK$107,888
+HK$5,402/mo
Deposit HK$2.13M · loan HK$19.16M · min. income ≈ HK$204,972/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$879,421 · Scale 2, in force from 26 Feb 2026)