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$47,484
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$48,961
−HK$1,501/mo
Today · 4.125%
HK$50,462
baseline
▲ 0.50% · 4.625%
HK$53,533
+HK$3,071/mo
Deposit HK$10.41M · loan HK$10.41M · min. income ≈ HK$100,924/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$832,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,826
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$54,243
−HK$1,437/mo
Today · 4.125%
HK$55,680
baseline
▲ 0.50% · 4.625%
HK$58,615
+HK$2,935/mo
Deposit HK$10.41M · loan HK$10.41M · min. income ≈ HK$111,360/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$832,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,981
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$58,754
−HK$1,800/mo
Today · 4.125%
HK$60,554
baseline
▲ 0.50% · 4.625%
HK$64,239
+HK$3,685/mo
Deposit HK$8.33M · loan HK$12.49M · min. income ≈ HK$121,108/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$832,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,391
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$65,091
−HK$1,725/mo
Today · 4.125%
HK$66,816
baseline
▲ 0.50% · 4.625%
HK$70,338
+HK$3,522/mo
Deposit HK$8.33M · loan HK$12.49M · min. income ≈ HK$133,632/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$832,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,478
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$68,546
−HK$2,101/mo
Today · 4.125%
HK$70,647
baseline
▲ 0.50% · 4.625%
HK$74,946
+HK$4,299/mo
Deposit HK$6.25M · loan HK$14.58M · min. income ≈ HK$141,294/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$832,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,956
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$75,940
−HK$2,012/mo
Today · 4.125%
HK$77,952
baseline
▲ 0.50% · 4.625%
HK$82,061
+HK$4,109/mo
Deposit HK$6.25M · loan HK$14.58M · min. income ≈ HK$155,904/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$832,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,472
−HK$5,360/mo
▼ 0.25% · 3.875%
HK$88,131
−HK$2,701/mo
Today · 4.125%
HK$90,832
baseline
▲ 0.50% · 4.625%
HK$96,359
+HK$5,527/mo
Deposit HK$2.08M · loan HK$18.74M · min. income ≈ HK$181,664/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$832,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,087
−HK$5,137/mo
▼ 0.25% · 3.875%
HK$97,637
−HK$2,587/mo
Today · 4.125%
HK$100,224
baseline
▲ 0.50% · 4.625%
HK$105,507
+HK$5,283/mo
Deposit HK$2.08M · loan HK$18.74M · min. income ≈ HK$200,448/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$832,415 · Scale 2, in force from 26 Feb 2026)