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$47,392
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$48,866
−HK$1,498/mo
Today · 4.125%
HK$50,364
baseline
▲ 0.50% · 4.625%
HK$53,428
+HK$3,064/mo
Deposit HK$10.39M · loan HK$10.39M · min. income ≈ HK$100,728/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$828,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,723
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$54,137
−HK$1,434/mo
Today · 4.125%
HK$55,571
baseline
▲ 0.50% · 4.625%
HK$58,500
+HK$2,929/mo
Deposit HK$10.39M · loan HK$10.39M · min. income ≈ HK$111,142/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$828,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,870
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$58,639
−HK$1,797/mo
Today · 4.125%
HK$60,436
baseline
▲ 0.50% · 4.625%
HK$64,114
+HK$3,678/mo
Deposit HK$8.31M · loan HK$12.47M · min. income ≈ HK$120,872/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$828,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,267
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$64,964
−HK$1,721/mo
Today · 4.125%
HK$66,685
baseline
▲ 0.50% · 4.625%
HK$70,200
+HK$3,515/mo
Deposit HK$8.31M · loan HK$12.47M · min. income ≈ HK$133,370/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$828,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,348
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$68,412
−HK$2,097/mo
Today · 4.125%
HK$70,509
baseline
▲ 0.50% · 4.625%
HK$74,799
+HK$4,290/mo
Deposit HK$6.24M · loan HK$14.55M · min. income ≈ HK$141,018/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$828,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,812
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$75,791
−HK$2,009/mo
Today · 4.125%
HK$77,800
baseline
▲ 0.50% · 4.625%
HK$81,901
+HK$4,101/mo
Deposit HK$6.24M · loan HK$14.55M · min. income ≈ HK$155,600/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$828,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,305
−HK$5,349/mo
▼ 0.25% · 3.875%
HK$87,958
−HK$2,696/mo
Today · 4.125%
HK$90,654
baseline
▲ 0.50% · 4.625%
HK$96,170
+HK$5,516/mo
Deposit HK$2.08M · loan HK$18.71M · min. income ≈ HK$181,308/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$828,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,901
−HK$5,127/mo
▼ 0.25% · 3.875%
HK$97,446
−HK$2,582/mo
Today · 4.125%
HK$100,028
baseline
▲ 0.50% · 4.625%
HK$105,301
+HK$5,273/mo
Deposit HK$2.08M · loan HK$18.71M · min. income ≈ HK$200,056/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$828,347 · Scale 2, in force from 26 Feb 2026)