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$47,480
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$48,957
−HK$1,501/mo
Today · 4.125%
HK$50,458
baseline
▲ 0.50% · 4.625%
HK$53,528
+HK$3,070/mo
Deposit HK$10.41M · loan HK$10.41M · min. income ≈ HK$100,916/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$832,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,821
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$54,238
−HK$1,437/mo
Today · 4.125%
HK$55,675
baseline
▲ 0.50% · 4.625%
HK$58,610
+HK$2,935/mo
Deposit HK$10.41M · loan HK$10.41M · min. income ≈ HK$111,350/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$832,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,976
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$58,749
−HK$1,800/mo
Today · 4.125%
HK$60,549
baseline
▲ 0.50% · 4.625%
HK$64,233
+HK$3,684/mo
Deposit HK$8.33M · loan HK$12.49M · min. income ≈ HK$121,098/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$832,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,386
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$65,085
−HK$1,725/mo
Today · 4.125%
HK$66,810
baseline
▲ 0.50% · 4.625%
HK$70,332
+HK$3,522/mo
Deposit HK$8.33M · loan HK$12.49M · min. income ≈ HK$133,620/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$832,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,472
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$68,540
−HK$2,101/mo
Today · 4.125%
HK$70,641
baseline
▲ 0.50% · 4.625%
HK$74,939
+HK$4,298/mo
Deposit HK$6.25M · loan HK$14.58M · min. income ≈ HK$141,282/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$832,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,950
−HK$3,995/mo
▼ 0.25% · 3.875%
HK$75,933
−HK$2,012/mo
Today · 4.125%
HK$77,945
baseline
▲ 0.50% · 4.625%
HK$82,054
+HK$4,109/mo
Deposit HK$6.25M · loan HK$14.58M · min. income ≈ HK$155,890/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$832,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,464
−HK$5,360/mo
▼ 0.25% · 3.875%
HK$88,123
−HK$2,701/mo
Today · 4.125%
HK$90,824
baseline
▲ 0.50% · 4.625%
HK$96,350
+HK$5,526/mo
Deposit HK$2.08M · loan HK$18.74M · min. income ≈ HK$181,648/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$832,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,078
−HK$5,137/mo
▼ 0.25% · 3.875%
HK$97,628
−HK$2,587/mo
Today · 4.125%
HK$100,215
baseline
▲ 0.50% · 4.625%
HK$105,498
+HK$5,283/mo
Deposit HK$2.08M · loan HK$18.74M · min. income ≈ HK$200,430/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$832,231 · Scale 2, in force from 26 Feb 2026)