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$3,038/mo
▼ 0.25% · 3.875%
HK$49,945
−HK$1,531/mo
Today · 4.125%
HK$51,476
baseline
▲ 0.50% · 4.625%
HK$54,608
+HK$3,132/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$102,952/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$874,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,887
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$55,333
−HK$1,466/mo
Today · 4.125%
HK$56,799
baseline
▲ 0.50% · 4.625%
HK$59,793
+HK$2,994/mo
Deposit HK$10.62M · loan HK$10.62M · min. income ≈ HK$113,598/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$874,255 · 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$65,530
+HK$3,759/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$874,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,665
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$66,399
−HK$1,759/mo
Today · 4.125%
HK$68,158
baseline
▲ 0.50% · 4.625%
HK$71,751
+HK$3,593/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$874,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,814
−HK$4,252/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$874,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,442
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$77,466
−HK$2,052/mo
Today · 4.125%
HK$79,518
baseline
▲ 0.50% · 4.625%
HK$83,710
+HK$4,192/mo
Deposit HK$6.37M · loan HK$14.87M · min. income ≈ HK$159,036/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$874,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,189
−HK$5,468/mo
▼ 0.25% · 3.875%
HK$89,901
−HK$2,756/mo
Today · 4.125%
HK$92,657
baseline
▲ 0.50% · 4.625%
HK$98,295
+HK$5,638/mo
Deposit HK$2.12M · loan HK$19.12M · min. income ≈ HK$185,314/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$874,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,997
−HK$5,241/mo
▼ 0.25% · 3.875%
HK$99,599
−HK$2,639/mo
Today · 4.125%
HK$102,238
baseline
▲ 0.50% · 4.625%
HK$107,627
+HK$5,389/mo
Deposit HK$2.12M · loan HK$19.12M · min. income ≈ HK$204,476/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$874,255 · Scale 2, in force from 26 Feb 2026)