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$48,438
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$49,945
−HK$1,530/mo
Today · 4.125%
HK$51,475
baseline
▲ 0.50% · 4.625%
HK$54,608
+HK$3,133/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$102,950/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$874,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,887
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$55,332
−HK$1,466/mo
Today · 4.125%
HK$56,798
baseline
▲ 0.50% · 4.625%
HK$59,792
+HK$2,994/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$113,596/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$874,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,126
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$59,934
−HK$1,837/mo
Today · 4.125%
HK$61,771
baseline
▲ 0.50% · 4.625%
HK$65,529
+HK$3,758/mo
Deposit HK$8.50M · loan HK$12.75M · min. income ≈ HK$123,542/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$874,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,664
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$66,398
−HK$1,760/mo
Today · 4.125%
HK$68,158
baseline
▲ 0.50% · 4.625%
HK$71,750
+HK$3,592/mo
Deposit HK$8.50M · loan HK$12.75M · min. income ≈ HK$136,316/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$874,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,813
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$69,923
−HK$2,143/mo
Today · 4.125%
HK$72,066
baseline
▲ 0.50% · 4.625%
HK$76,451
+HK$4,385/mo
Deposit HK$6.37M · loan HK$14.87M · min. income ≈ HK$144,132/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$874,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,442
−HK$4,075/mo
▼ 0.25% · 3.875%
HK$77,465
−HK$2,052/mo
Today · 4.125%
HK$79,517
baseline
▲ 0.50% · 4.625%
HK$83,709
+HK$4,192/mo
Deposit HK$6.37M · loan HK$14.87M · min. income ≈ HK$159,034/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$874,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,188
−HK$5,468/mo
▼ 0.25% · 3.875%
HK$89,900
−HK$2,756/mo
Today · 4.125%
HK$92,656
baseline
▲ 0.50% · 4.625%
HK$98,294
+HK$5,638/mo
Deposit HK$2.12M · loan HK$19.12M · min. income ≈ HK$185,312/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$874,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,996
−HK$5,241/mo
▼ 0.25% · 3.875%
HK$99,598
−HK$2,639/mo
Today · 4.125%
HK$102,237
baseline
▲ 0.50% · 4.625%
HK$107,626
+HK$5,389/mo
Deposit HK$2.12M · loan HK$19.12M · min. income ≈ HK$204,474/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$874,236 · Scale 2, in force from 26 Feb 2026)