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$48,548
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$50,058
−HK$1,534/mo
Today · 4.125%
HK$51,592
baseline
▲ 0.50% · 4.625%
HK$54,731
+HK$3,139/mo
Deposit HK$10.65M · loan HK$10.65M · min. income ≈ HK$103,184/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$879,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,009
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$55,457
−HK$1,470/mo
Today · 4.125%
HK$56,927
baseline
▲ 0.50% · 4.625%
HK$59,928
+HK$3,001/mo
Deposit HK$10.65M · loan HK$10.65M · min. income ≈ HK$113,854/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$879,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,257
−HK$3,654/mo
▼ 0.25% · 3.875%
HK$60,069
−HK$1,842/mo
Today · 4.125%
HK$61,911
baseline
▲ 0.50% · 4.625%
HK$65,678
+HK$3,767/mo
Deposit HK$8.52M · loan HK$12.77M · min. income ≈ HK$123,822/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$879,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,811
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$66,549
−HK$1,763/mo
Today · 4.125%
HK$68,312
baseline
▲ 0.50% · 4.625%
HK$71,913
+HK$3,601/mo
Deposit HK$8.52M · loan HK$12.77M · min. income ≈ HK$136,624/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$879,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,967
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$70,081
−HK$2,148/mo
Today · 4.125%
HK$72,229
baseline
▲ 0.50% · 4.625%
HK$76,624
+HK$4,395/mo
Deposit HK$6.39M · loan HK$14.90M · min. income ≈ HK$144,458/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$879,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,612
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$77,640
−HK$2,058/mo
Today · 4.125%
HK$79,698
baseline
▲ 0.50% · 4.625%
HK$83,899
+HK$4,201/mo
Deposit HK$6.39M · loan HK$14.90M · min. income ≈ HK$159,396/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$879,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,386
−HK$5,480/mo
▼ 0.25% · 3.875%
HK$90,104
−HK$2,762/mo
Today · 4.125%
HK$92,866
baseline
▲ 0.50% · 4.625%
HK$98,517
+HK$5,651/mo
Deposit HK$2.13M · loan HK$19.16M · min. income ≈ HK$185,732/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$879,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,216
−HK$5,252/mo
▼ 0.25% · 3.875%
HK$99,823
−HK$2,645/mo
Today · 4.125%
HK$102,468
baseline
▲ 0.50% · 4.625%
HK$107,870
+HK$5,402/mo
Deposit HK$2.13M · loan HK$19.16M · min. income ≈ HK$204,936/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$879,049 · Scale 2, in force from 26 Feb 2026)