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$48,809
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$50,327
−HK$1,542/mo
Today · 4.125%
HK$51,869
baseline
▲ 0.50% · 4.625%
HK$55,025
+HK$3,156/mo
Deposit HK$10.70M · loan HK$10.70M · min. income ≈ HK$103,738/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$890,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,299
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$55,755
−HK$1,478/mo
Today · 4.125%
HK$57,233
baseline
▲ 0.50% · 4.625%
HK$60,249
+HK$3,016/mo
Deposit HK$10.70M · loan HK$10.70M · min. income ≈ HK$114,466/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$890,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,570
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$60,392
−HK$1,851/mo
Today · 4.125%
HK$62,243
baseline
▲ 0.50% · 4.625%
HK$66,031
+HK$3,788/mo
Deposit HK$8.56M · loan HK$12.84M · min. income ≈ HK$124,486/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$890,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,159
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$66,906
−HK$1,773/mo
Today · 4.125%
HK$68,679
baseline
▲ 0.50% · 4.625%
HK$72,299
+HK$3,620/mo
Deposit HK$8.56M · loan HK$12.84M · min. income ≈ HK$137,358/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$890,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,332
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$70,458
−HK$2,159/mo
Today · 4.125%
HK$72,617
baseline
▲ 0.50% · 4.625%
HK$77,036
+HK$4,419/mo
Deposit HK$6.42M · loan HK$14.98M · min. income ≈ HK$145,234/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$890,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,019
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$78,057
−HK$2,069/mo
Today · 4.125%
HK$80,126
baseline
▲ 0.50% · 4.625%
HK$84,349
+HK$4,223/mo
Deposit HK$6.42M · loan HK$14.98M · min. income ≈ HK$160,252/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$890,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,855
−HK$5,510/mo
▼ 0.25% · 3.875%
HK$90,588
−HK$2,777/mo
Today · 4.125%
HK$93,365
baseline
▲ 0.50% · 4.625%
HK$99,046
+HK$5,681/mo
Deposit HK$2.14M · loan HK$19.26M · min. income ≈ HK$186,730/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$890,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,738
−HK$5,281/mo
▼ 0.25% · 3.875%
HK$100,360
−HK$2,659/mo
Today · 4.125%
HK$103,019
baseline
▲ 0.50% · 4.625%
HK$108,449
+HK$5,430/mo
Deposit HK$2.14M · loan HK$19.26M · min. income ≈ HK$206,038/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$890,487 · Scale 2, in force from 26 Feb 2026)