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$46,791
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$48,247
−HK$1,478/mo
Today · 4.125%
HK$49,725
baseline
▲ 0.50% · 4.625%
HK$52,751
+HK$3,026/mo
Deposit HK$10.26M · loan HK$10.26M · min. income ≈ HK$99,450/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$802,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,055
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$53,451
−HK$1,416/mo
Today · 4.125%
HK$54,867
baseline
▲ 0.50% · 4.625%
HK$57,759
+HK$2,892/mo
Deposit HK$10.26M · loan HK$10.26M · min. income ≈ HK$109,734/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$802,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,149
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$57,896
−HK$1,774/mo
Today · 4.125%
HK$59,670
baseline
▲ 0.50% · 4.625%
HK$63,301
+HK$3,631/mo
Deposit HK$8.21M · loan HK$12.31M · min. income ≈ HK$119,340/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$802,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,466
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$64,141
−HK$1,699/mo
Today · 4.125%
HK$65,840
baseline
▲ 0.50% · 4.625%
HK$69,311
+HK$3,471/mo
Deposit HK$8.21M · loan HK$12.31M · min. income ≈ HK$131,680/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$802,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,508
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$67,545
−HK$2,071/mo
Today · 4.125%
HK$69,616
baseline
▲ 0.50% · 4.625%
HK$73,851
+HK$4,235/mo
Deposit HK$6.16M · loan HK$14.36M · min. income ≈ HK$139,232/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$802,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,877
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$74,831
−HK$1,983/mo
Today · 4.125%
HK$76,814
baseline
▲ 0.50% · 4.625%
HK$80,863
+HK$4,049/mo
Deposit HK$6.16M · loan HK$14.36M · min. income ≈ HK$153,628/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$802,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,224
−HK$5,282/mo
▼ 0.25% · 3.875%
HK$86,844
−HK$2,662/mo
Today · 4.125%
HK$89,506
baseline
▲ 0.50% · 4.625%
HK$94,952
+HK$5,446/mo
Deposit HK$2.05M · loan HK$18.47M · min. income ≈ HK$179,012/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$802,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,698
−HK$5,063/mo
▼ 0.25% · 3.875%
HK$96,211
−HK$2,550/mo
Today · 4.125%
HK$98,761
baseline
▲ 0.50% · 4.625%
HK$103,966
+HK$5,205/mo
Deposit HK$2.05M · loan HK$18.47M · min. income ≈ HK$197,522/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$802,013 · Scale 2, in force from 26 Feb 2026)