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$46,560
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$48,008
−HK$1,472/mo
Today · 4.125%
HK$49,480
baseline
▲ 0.50% · 4.625%
HK$52,490
+HK$3,010/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$98,960/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$791,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,797
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$53,187
−HK$1,409/mo
Today · 4.125%
HK$54,596
baseline
▲ 0.50% · 4.625%
HK$57,474
+HK$2,878/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$109,192/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$791,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,872
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$57,610
−HK$1,766/mo
Today · 4.125%
HK$59,376
baseline
▲ 0.50% · 4.625%
HK$62,988
+HK$3,612/mo
Deposit HK$8.17M · loan HK$12.25M · min. income ≈ HK$118,752/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$791,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,157
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$63,824
−HK$1,691/mo
Today · 4.125%
HK$65,515
baseline
▲ 0.50% · 4.625%
HK$68,969
+HK$3,454/mo
Deposit HK$8.17M · loan HK$12.25M · min. income ≈ HK$131,030/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$791,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,184
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$67,212
−HK$2,060/mo
Today · 4.125%
HK$69,272
baseline
▲ 0.50% · 4.625%
HK$73,487
+HK$4,215/mo
Deposit HK$6.13M · loan HK$14.29M · min. income ≈ HK$138,544/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$791,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,516
−HK$3,918/mo
▼ 0.25% · 3.875%
HK$74,461
−HK$1,973/mo
Today · 4.125%
HK$76,434
baseline
▲ 0.50% · 4.625%
HK$80,463
+HK$4,029/mo
Deposit HK$6.13M · loan HK$14.29M · min. income ≈ HK$152,868/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$791,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,808
−HK$5,255/mo
▼ 0.25% · 3.875%
HK$86,415
−HK$2,648/mo
Today · 4.125%
HK$89,063
baseline
▲ 0.50% · 4.625%
HK$94,483
+HK$5,420/mo
Deposit HK$2.04M · loan HK$18.38M · min. income ≈ HK$178,126/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$791,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,235
−HK$5,038/mo
▼ 0.25% · 3.875%
HK$95,736
−HK$2,537/mo
Today · 4.125%
HK$98,273
baseline
▲ 0.50% · 4.625%
HK$103,453
+HK$5,180/mo
Deposit HK$2.04M · loan HK$18.38M · min. income ≈ HK$196,546/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$791,874 · Scale 2, in force from 26 Feb 2026)