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$47,000
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$48,462
−HK$1,486/mo
Today · 4.125%
HK$49,948
baseline
▲ 0.50% · 4.625%
HK$52,987
+HK$3,039/mo
Deposit HK$10.31M · loan HK$10.31M · min. income ≈ HK$99,896/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$811,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,287
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$53,690
−HK$1,422/mo
Today · 4.125%
HK$55,112
baseline
▲ 0.50% · 4.625%
HK$58,017
+HK$2,905/mo
Deposit HK$10.31M · loan HK$10.31M · min. income ≈ HK$110,224/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$811,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,400
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$58,155
−HK$1,782/mo
Today · 4.125%
HK$59,937
baseline
▲ 0.50% · 4.625%
HK$63,584
+HK$3,647/mo
Deposit HK$8.24M · loan HK$12.37M · min. income ≈ HK$119,874/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$811,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,745
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$64,428
−HK$1,707/mo
Today · 4.125%
HK$66,135
baseline
▲ 0.50% · 4.625%
HK$69,621
+HK$3,486/mo
Deposit HK$8.24M · loan HK$12.37M · min. income ≈ HK$132,270/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$811,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,801
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$67,847
−HK$2,080/mo
Today · 4.125%
HK$69,927
baseline
▲ 0.50% · 4.625%
HK$74,182
+HK$4,255/mo
Deposit HK$6.18M · loan HK$14.43M · min. income ≈ HK$139,854/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$811,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,202
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$75,166
−HK$1,991/mo
Today · 4.125%
HK$77,157
baseline
▲ 0.50% · 4.625%
HK$81,224
+HK$4,067/mo
Deposit HK$6.18M · loan HK$14.43M · min. income ≈ HK$154,314/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$811,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,601
−HK$5,305/mo
▼ 0.25% · 3.875%
HK$87,232
−HK$2,674/mo
Today · 4.125%
HK$89,906
baseline
▲ 0.50% · 4.625%
HK$95,376
+HK$5,470/mo
Deposit HK$2.06M · loan HK$18.55M · min. income ≈ HK$179,812/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$811,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,117
−HK$5,085/mo
▼ 0.25% · 3.875%
HK$96,642
−HK$2,560/mo
Today · 4.125%
HK$99,202
baseline
▲ 0.50% · 4.625%
HK$104,431
+HK$5,229/mo
Deposit HK$2.06M · loan HK$18.55M · min. income ≈ HK$198,404/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$811,189 · Scale 2, in force from 26 Feb 2026)