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$47,297
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$48,768
−HK$1,495/mo
Today · 4.125%
HK$50,263
baseline
▲ 0.50% · 4.625%
HK$53,321
+HK$3,058/mo
Deposit HK$10.37M · loan HK$10.37M · min. income ≈ HK$100,526/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$824,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,617
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$54,028
−HK$1,432/mo
Today · 4.125%
HK$55,460
baseline
▲ 0.50% · 4.625%
HK$58,383
+HK$2,923/mo
Deposit HK$10.37M · loan HK$10.37M · min. income ≈ HK$110,920/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$824,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,756
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$58,521
−HK$1,794/mo
Today · 4.125%
HK$60,315
baseline
▲ 0.50% · 4.625%
HK$63,985
+HK$3,670/mo
Deposit HK$8.30M · loan HK$12.45M · min. income ≈ HK$120,630/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$824,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,141
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$64,834
−HK$1,718/mo
Today · 4.125%
HK$66,552
baseline
▲ 0.50% · 4.625%
HK$70,060
+HK$3,508/mo
Deposit HK$8.30M · loan HK$12.45M · min. income ≈ HK$133,104/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$824,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,215
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$68,275
−HK$2,093/mo
Today · 4.125%
HK$70,368
baseline
▲ 0.50% · 4.625%
HK$74,649
+HK$4,281/mo
Deposit HK$6.22M · loan HK$14.52M · min. income ≈ HK$140,736/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$824,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,664
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$75,640
−HK$2,004/mo
Today · 4.125%
HK$77,644
baseline
▲ 0.50% · 4.625%
HK$81,736
+HK$4,092/mo
Deposit HK$6.22M · loan HK$14.52M · min. income ≈ HK$155,288/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$824,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,134
−HK$5,339/mo
▼ 0.25% · 3.875%
HK$87,782
−HK$2,691/mo
Today · 4.125%
HK$90,473
baseline
▲ 0.50% · 4.625%
HK$95,978
+HK$5,505/mo
Deposit HK$2.07M · loan HK$18.67M · min. income ≈ HK$180,946/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$824,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,711
−HK$5,117/mo
▼ 0.25% · 3.875%
HK$97,251
−HK$2,577/mo
Today · 4.125%
HK$99,828
baseline
▲ 0.50% · 4.625%
HK$105,090
+HK$5,262/mo
Deposit HK$2.07M · loan HK$18.67M · min. income ≈ HK$199,656/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$824,184 · Scale 2, in force from 26 Feb 2026)