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$46,690
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$48,142
−HK$1,475/mo
Today · 4.125%
HK$49,617
baseline
▲ 0.50% · 4.625%
HK$52,636
+HK$3,019/mo
Deposit HK$10.24M · loan HK$10.24M · min. income ≈ HK$99,234/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$797,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,942
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$53,335
−HK$1,413/mo
Today · 4.125%
HK$54,748
baseline
▲ 0.50% · 4.625%
HK$57,634
+HK$2,886/mo
Deposit HK$10.24M · loan HK$10.24M · min. income ≈ HK$109,496/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$797,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,027
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$57,770
−HK$1,771/mo
Today · 4.125%
HK$59,541
baseline
▲ 0.50% · 4.625%
HK$63,164
+HK$3,623/mo
Deposit HK$8.19M · loan HK$12.29M · min. income ≈ HK$119,082/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$797,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,330
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$64,002
−HK$1,695/mo
Today · 4.125%
HK$65,697
baseline
▲ 0.50% · 4.625%
HK$69,160
+HK$3,463/mo
Deposit HK$8.19M · loan HK$12.29M · min. income ≈ HK$131,394/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$797,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,365
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$67,399
−HK$2,065/mo
Today · 4.125%
HK$69,464
baseline
▲ 0.50% · 4.625%
HK$73,691
+HK$4,227/mo
Deposit HK$6.14M · loan HK$14.33M · min. income ≈ HK$138,928/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$797,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,718
−HK$3,929/mo
▼ 0.25% · 3.875%
HK$74,669
−HK$1,978/mo
Today · 4.125%
HK$76,647
baseline
▲ 0.50% · 4.625%
HK$80,687
+HK$4,040/mo
Deposit HK$6.14M · loan HK$14.33M · min. income ≈ HK$153,294/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$797,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,041
−HK$5,270/mo
▼ 0.25% · 3.875%
HK$86,655
−HK$2,656/mo
Today · 4.125%
HK$89,311
baseline
▲ 0.50% · 4.625%
HK$94,746
+HK$5,435/mo
Deposit HK$2.05M · loan HK$18.43M · min. income ≈ HK$178,622/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$797,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,495
−HK$5,051/mo
▼ 0.25% · 3.875%
HK$96,002
−HK$2,544/mo
Today · 4.125%
HK$98,546
baseline
▲ 0.50% · 4.625%
HK$103,741
+HK$5,195/mo
Deposit HK$2.05M · loan HK$18.43M · min. income ≈ HK$197,092/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$797,555 · Scale 2, in force from 26 Feb 2026)