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$48,798
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$50,316
−HK$1,543/mo
Today · 4.125%
HK$51,859
baseline
▲ 0.50% · 4.625%
HK$55,014
+HK$3,155/mo
Deposit HK$10.70M · loan HK$10.70M · min. income ≈ HK$103,718/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$890,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,288
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$55,744
−HK$1,477/mo
Today · 4.125%
HK$57,221
baseline
▲ 0.50% · 4.625%
HK$60,237
+HK$3,016/mo
Deposit HK$10.70M · loan HK$10.70M · min. income ≈ HK$114,442/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$890,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,558
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$60,380
−HK$1,850/mo
Today · 4.125%
HK$62,230
baseline
▲ 0.50% · 4.625%
HK$66,017
+HK$3,787/mo
Deposit HK$8.56M · loan HK$12.84M · min. income ≈ HK$124,460/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$890,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,145
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$66,893
−HK$1,772/mo
Today · 4.125%
HK$68,665
baseline
▲ 0.50% · 4.625%
HK$72,284
+HK$3,619/mo
Deposit HK$8.56M · loan HK$12.84M · min. income ≈ HK$137,330/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$890,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,318
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$70,443
−HK$2,159/mo
Today · 4.125%
HK$72,602
baseline
▲ 0.50% · 4.625%
HK$77,020
+HK$4,418/mo
Deposit HK$6.42M · loan HK$14.98M · min. income ≈ HK$145,204/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$890,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,003
−HK$4,106/mo
▼ 0.25% · 3.875%
HK$78,041
−HK$2,068/mo
Today · 4.125%
HK$80,109
baseline
▲ 0.50% · 4.625%
HK$84,332
+HK$4,223/mo
Deposit HK$6.42M · loan HK$14.98M · min. income ≈ HK$160,218/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$890,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,837
−HK$5,508/mo
▼ 0.25% · 3.875%
HK$90,569
−HK$2,776/mo
Today · 4.125%
HK$93,345
baseline
▲ 0.50% · 4.625%
HK$99,025
+HK$5,680/mo
Deposit HK$2.14M · loan HK$19.26M · min. income ≈ HK$186,690/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$890,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,718
−HK$5,279/mo
▼ 0.25% · 3.875%
HK$100,339
−HK$2,658/mo
Today · 4.125%
HK$102,997
baseline
▲ 0.50% · 4.625%
HK$108,427
+HK$5,430/mo
Deposit HK$2.14M · loan HK$19.26M · min. income ≈ HK$205,994/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$890,042 · Scale 2, in force from 26 Feb 2026)