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$48,108
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$49,605
−HK$1,520/mo
Today · 4.125%
HK$51,125
baseline
▲ 0.50% · 4.625%
HK$54,236
+HK$3,111/mo
Deposit HK$10.55M · loan HK$10.55M · min. income ≈ HK$102,250/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$859,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,520
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$54,956
−HK$1,456/mo
Today · 4.125%
HK$56,412
baseline
▲ 0.50% · 4.625%
HK$59,385
+HK$2,973/mo
Deposit HK$10.55M · loan HK$10.55M · min. income ≈ HK$112,824/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$859,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,730
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$59,526
−HK$1,824/mo
Today · 4.125%
HK$61,350
baseline
▲ 0.50% · 4.625%
HK$65,083
+HK$3,733/mo
Deposit HK$8.44M · loan HK$12.66M · min. income ≈ HK$122,700/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$859,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,224
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$65,947
−HK$1,747/mo
Today · 4.125%
HK$67,694
baseline
▲ 0.50% · 4.625%
HK$71,262
+HK$3,568/mo
Deposit HK$8.44M · loan HK$12.66M · min. income ≈ HK$135,388/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$859,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,352
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$69,447
−HK$2,128/mo
Today · 4.125%
HK$71,575
baseline
▲ 0.50% · 4.625%
HK$75,931
+HK$4,356/mo
Deposit HK$6.33M · loan HK$14.77M · min. income ≈ HK$143,150/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$859,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,928
−HK$4,048/mo
▼ 0.25% · 3.875%
HK$76,938
−HK$2,038/mo
Today · 4.125%
HK$78,976
baseline
▲ 0.50% · 4.625%
HK$83,139
+HK$4,163/mo
Deposit HK$6.33M · loan HK$14.77M · min. income ≈ HK$157,952/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$859,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,595
−HK$5,430/mo
▼ 0.25% · 3.875%
HK$89,289
−HK$2,736/mo
Today · 4.125%
HK$92,025
baseline
▲ 0.50% · 4.625%
HK$97,625
+HK$5,600/mo
Deposit HK$2.11M · loan HK$18.99M · min. income ≈ HK$184,050/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$859,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,336
−HK$5,205/mo
▼ 0.25% · 3.875%
HK$98,920
−HK$2,621/mo
Today · 4.125%
HK$101,541
baseline
▲ 0.50% · 4.625%
HK$106,893
+HK$5,352/mo
Deposit HK$2.11M · loan HK$18.99M · min. income ≈ HK$203,082/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$859,782 · Scale 2, in force from 26 Feb 2026)