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$48,793
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$50,311
−HK$1,542/mo
Today · 4.125%
HK$51,853
baseline
▲ 0.50% · 4.625%
HK$55,008
+HK$3,155/mo
Deposit HK$10.70M · loan HK$10.70M · min. income ≈ HK$103,706/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$889,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,282
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$55,737
−HK$1,477/mo
Today · 4.125%
HK$57,214
baseline
▲ 0.50% · 4.625%
HK$60,230
+HK$3,016/mo
Deposit HK$10.70M · loan HK$10.70M · min. income ≈ HK$114,428/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$889,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,552
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$60,373
−HK$1,850/mo
Today · 4.125%
HK$62,223
baseline
▲ 0.50% · 4.625%
HK$66,009
+HK$3,786/mo
Deposit HK$8.56M · loan HK$12.84M · min. income ≈ HK$124,446/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$889,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,138
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$66,885
−HK$1,772/mo
Today · 4.125%
HK$68,657
baseline
▲ 0.50% · 4.625%
HK$72,276
+HK$3,619/mo
Deposit HK$8.56M · loan HK$12.84M · min. income ≈ HK$137,314/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$889,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,310
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$70,435
−HK$2,159/mo
Today · 4.125%
HK$72,594
baseline
▲ 0.50% · 4.625%
HK$77,011
+HK$4,417/mo
Deposit HK$6.42M · loan HK$14.98M · min. income ≈ HK$145,188/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$889,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,994
−HK$4,106/mo
▼ 0.25% · 3.875%
HK$78,032
−HK$2,068/mo
Today · 4.125%
HK$80,100
baseline
▲ 0.50% · 4.625%
HK$84,322
+HK$4,222/mo
Deposit HK$6.42M · loan HK$14.98M · min. income ≈ HK$160,200/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$889,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,827
−HK$5,508/mo
▼ 0.25% · 3.875%
HK$90,559
−HK$2,776/mo
Today · 4.125%
HK$93,335
baseline
▲ 0.50% · 4.625%
HK$99,014
+HK$5,679/mo
Deposit HK$2.14M · loan HK$19.26M · min. income ≈ HK$186,670/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$889,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,707
−HK$5,279/mo
▼ 0.25% · 3.875%
HK$100,327
−HK$2,659/mo
Today · 4.125%
HK$102,986
baseline
▲ 0.50% · 4.625%
HK$108,414
+HK$5,428/mo
Deposit HK$2.14M · loan HK$19.26M · min. income ≈ HK$205,972/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$889,801 · Scale 2, in force from 26 Feb 2026)