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$47,242
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$48,712
−HK$1,493/mo
Today · 4.125%
HK$50,205
baseline
▲ 0.50% · 4.625%
HK$53,259
+HK$3,054/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$100,410/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$821,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,556
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$53,966
−HK$1,430/mo
Today · 4.125%
HK$55,396
baseline
▲ 0.50% · 4.625%
HK$58,316
+HK$2,920/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$110,792/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$821,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,690
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$58,454
−HK$1,791/mo
Today · 4.125%
HK$60,245
baseline
▲ 0.50% · 4.625%
HK$63,911
+HK$3,666/mo
Deposit HK$8.29M · loan HK$12.43M · min. income ≈ HK$120,490/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$821,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,068
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$64,759
−HK$1,716/mo
Today · 4.125%
HK$66,475
baseline
▲ 0.50% · 4.625%
HK$69,979
+HK$3,504/mo
Deposit HK$8.29M · loan HK$12.43M · min. income ≈ HK$132,950/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$821,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,139
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$68,196
−HK$2,090/mo
Today · 4.125%
HK$70,286
baseline
▲ 0.50% · 4.625%
HK$74,563
+HK$4,277/mo
Deposit HK$6.22M · loan HK$14.50M · min. income ≈ HK$140,572/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$821,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,579
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$75,552
−HK$2,002/mo
Today · 4.125%
HK$77,554
baseline
▲ 0.50% · 4.625%
HK$81,642
+HK$4,088/mo
Deposit HK$6.22M · loan HK$14.50M · min. income ≈ HK$155,108/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$821,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,036
−HK$5,332/mo
▼ 0.25% · 3.875%
HK$87,681
−HK$2,687/mo
Today · 4.125%
HK$90,368
baseline
▲ 0.50% · 4.625%
HK$95,867
+HK$5,499/mo
Deposit HK$2.07M · loan HK$18.65M · min. income ≈ HK$180,736/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$821,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,601
−HK$5,111/mo
▼ 0.25% · 3.875%
HK$97,139
−HK$2,573/mo
Today · 4.125%
HK$99,712
baseline
▲ 0.50% · 4.625%
HK$104,968
+HK$5,256/mo
Deposit HK$2.07M · loan HK$18.65M · min. income ≈ HK$199,424/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$821,788 · Scale 2, in force from 26 Feb 2026)