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$48,779
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$50,296
−HK$1,542/mo
Today · 4.125%
HK$51,838
baseline
▲ 0.50% · 4.625%
HK$54,992
+HK$3,154/mo
Deposit HK$10.70M · loan HK$10.70M · min. income ≈ HK$103,676/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$889,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,266
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$55,721
−HK$1,477/mo
Today · 4.125%
HK$57,198
baseline
▲ 0.50% · 4.625%
HK$60,213
+HK$3,015/mo
Deposit HK$10.70M · loan HK$10.70M · min. income ≈ HK$114,396/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$889,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,534
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$60,355
−HK$1,850/mo
Today · 4.125%
HK$62,205
baseline
▲ 0.50% · 4.625%
HK$65,990
+HK$3,785/mo
Deposit HK$8.56M · loan HK$12.84M · min. income ≈ HK$124,410/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$889,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,119
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$66,865
−HK$1,772/mo
Today · 4.125%
HK$68,637
baseline
▲ 0.50% · 4.625%
HK$72,255
+HK$3,618/mo
Deposit HK$8.56M · loan HK$12.84M · min. income ≈ HK$137,274/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$889,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,290
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$70,414
−HK$2,159/mo
Today · 4.125%
HK$72,573
baseline
▲ 0.50% · 4.625%
HK$76,988
+HK$4,415/mo
Deposit HK$6.42M · loan HK$14.97M · min. income ≈ HK$145,146/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$889,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,972
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$78,010
−HK$2,067/mo
Today · 4.125%
HK$80,077
baseline
▲ 0.50% · 4.625%
HK$84,298
+HK$4,221/mo
Deposit HK$6.42M · loan HK$14.97M · min. income ≈ HK$160,154/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$889,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,802
−HK$5,506/mo
▼ 0.25% · 3.875%
HK$90,533
−HK$2,775/mo
Today · 4.125%
HK$93,308
baseline
▲ 0.50% · 4.625%
HK$98,985
+HK$5,677/mo
Deposit HK$2.14M · loan HK$19.25M · min. income ≈ HK$186,616/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$889,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,678
−HK$5,278/mo
▼ 0.25% · 3.875%
HK$100,298
−HK$2,658/mo
Today · 4.125%
HK$102,956
baseline
▲ 0.50% · 4.625%
HK$108,383
+HK$5,427/mo
Deposit HK$2.14M · loan HK$19.25M · min. income ≈ HK$205,912/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$889,177 · Scale 2, in force from 26 Feb 2026)