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$47,198
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$48,666
−HK$1,492/mo
Today · 4.125%
HK$50,158
baseline
▲ 0.50% · 4.625%
HK$53,210
+HK$3,052/mo
Deposit HK$10.35M · loan HK$10.35M · min. income ≈ HK$100,316/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$819,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,508
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$53,916
−HK$1,428/mo
Today · 4.125%
HK$55,344
baseline
▲ 0.50% · 4.625%
HK$58,262
+HK$2,918/mo
Deposit HK$10.35M · loan HK$10.35M · min. income ≈ HK$110,688/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$819,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,638
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$58,400
−HK$1,790/mo
Today · 4.125%
HK$60,190
baseline
▲ 0.50% · 4.625%
HK$63,852
+HK$3,662/mo
Deposit HK$8.28M · loan HK$12.42M · min. income ≈ HK$120,380/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$819,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,009
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$64,699
−HK$1,714/mo
Today · 4.125%
HK$66,413
baseline
▲ 0.50% · 4.625%
HK$69,914
+HK$3,501/mo
Deposit HK$8.28M · loan HK$12.42M · min. income ≈ HK$132,826/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$819,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,078
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$68,133
−HK$2,088/mo
Today · 4.125%
HK$70,221
baseline
▲ 0.50% · 4.625%
HK$74,494
+HK$4,273/mo
Deposit HK$6.21M · loan HK$14.49M · min. income ≈ HK$140,442/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$819,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,511
−HK$3,971/mo
▼ 0.25% · 3.875%
HK$75,482
−HK$2,000/mo
Today · 4.125%
HK$77,482
baseline
▲ 0.50% · 4.625%
HK$81,566
+HK$4,084/mo
Deposit HK$6.21M · loan HK$14.49M · min. income ≈ HK$154,964/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$819,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,957
−HK$5,327/mo
▼ 0.25% · 3.875%
HK$87,599
−HK$2,685/mo
Today · 4.125%
HK$90,284
baseline
▲ 0.50% · 4.625%
HK$95,778
+HK$5,494/mo
Deposit HK$2.07M · loan HK$18.63M · min. income ≈ HK$180,568/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$819,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,514
−HK$5,106/mo
▼ 0.25% · 3.875%
HK$97,048
−HK$2,572/mo
Today · 4.125%
HK$99,620
baseline
▲ 0.50% · 4.625%
HK$104,871
+HK$5,251/mo
Deposit HK$2.07M · loan HK$18.63M · min. income ≈ HK$199,240/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$819,865 · Scale 2, in force from 26 Feb 2026)