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$46,704
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$48,156
−HK$1,476/mo
Today · 4.125%
HK$49,632
baseline
▲ 0.50% · 4.625%
HK$52,652
+HK$3,020/mo
Deposit HK$10.24M · loan HK$10.24M · min. income ≈ HK$99,264/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$798,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,957
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$53,351
−HK$1,413/mo
Today · 4.125%
HK$54,764
baseline
▲ 0.50% · 4.625%
HK$57,651
+HK$2,887/mo
Deposit HK$10.24M · loan HK$10.24M · min. income ≈ HK$109,528/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$798,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,044
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$57,788
−HK$1,771/mo
Today · 4.125%
HK$59,559
baseline
▲ 0.50% · 4.625%
HK$63,183
+HK$3,624/mo
Deposit HK$8.19M · loan HK$12.29M · min. income ≈ HK$119,118/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$798,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,349
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$64,021
−HK$1,696/mo
Today · 4.125%
HK$65,717
baseline
▲ 0.50% · 4.625%
HK$69,181
+HK$3,464/mo
Deposit HK$8.19M · loan HK$12.29M · min. income ≈ HK$131,434/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$798,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,385
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$67,419
−HK$2,066/mo
Today · 4.125%
HK$69,485
baseline
▲ 0.50% · 4.625%
HK$73,713
+HK$4,228/mo
Deposit HK$6.14M · loan HK$14.34M · min. income ≈ HK$138,970/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$798,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,740
−HK$3,930/mo
▼ 0.25% · 3.875%
HK$74,691
−HK$1,979/mo
Today · 4.125%
HK$76,670
baseline
▲ 0.50% · 4.625%
HK$80,711
+HK$4,041/mo
Deposit HK$6.14M · loan HK$14.34M · min. income ≈ HK$153,340/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$798,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,066
−HK$5,272/mo
▼ 0.25% · 3.875%
HK$86,681
−HK$2,657/mo
Today · 4.125%
HK$89,338
baseline
▲ 0.50% · 4.625%
HK$94,774
+HK$5,436/mo
Deposit HK$2.05M · loan HK$18.43M · min. income ≈ HK$178,676/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$798,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,523
−HK$5,053/mo
▼ 0.25% · 3.875%
HK$96,031
−HK$2,545/mo
Today · 4.125%
HK$98,576
baseline
▲ 0.50% · 4.625%
HK$103,772
+HK$5,196/mo
Deposit HK$2.05M · loan HK$18.43M · min. income ≈ HK$197,152/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$798,170 · Scale 2, in force from 26 Feb 2026)