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$46,918
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$48,377
−HK$1,483/mo
Today · 4.125%
HK$49,860
baseline
▲ 0.50% · 4.625%
HK$52,894
+HK$3,034/mo
Deposit HK$10.29M · loan HK$10.29M · min. income ≈ HK$99,720/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$807,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,196
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$53,595
−HK$1,421/mo
Today · 4.125%
HK$55,016
baseline
▲ 0.50% · 4.625%
HK$57,915
+HK$2,899/mo
Deposit HK$10.29M · loan HK$10.29M · min. income ≈ HK$110,032/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$807,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,301
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$58,053
−HK$1,779/mo
Today · 4.125%
HK$59,832
baseline
▲ 0.50% · 4.625%
HK$63,473
+HK$3,641/mo
Deposit HK$8.23M · loan HK$12.35M · min. income ≈ HK$119,664/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$807,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,635
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$64,314
−HK$1,705/mo
Today · 4.125%
HK$66,019
baseline
▲ 0.50% · 4.625%
HK$69,499
+HK$3,480/mo
Deposit HK$8.23M · loan HK$12.35M · min. income ≈ HK$132,038/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$807,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,685
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$67,728
−HK$2,076/mo
Today · 4.125%
HK$69,804
baseline
▲ 0.50% · 4.625%
HK$74,051
+HK$4,247/mo
Deposit HK$6.17M · loan HK$14.40M · min. income ≈ HK$139,608/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$807,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,074
−HK$3,948/mo
▼ 0.25% · 3.875%
HK$75,034
−HK$1,988/mo
Today · 4.125%
HK$77,022
baseline
▲ 0.50% · 4.625%
HK$81,082
+HK$4,060/mo
Deposit HK$6.17M · loan HK$14.40M · min. income ≈ HK$154,044/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$807,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,452
−HK$5,296/mo
▼ 0.25% · 3.875%
HK$87,079
−HK$2,669/mo
Today · 4.125%
HK$89,748
baseline
▲ 0.50% · 4.625%
HK$95,209
+HK$5,461/mo
Deposit HK$2.06M · loan HK$18.52M · min. income ≈ HK$179,496/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$807,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,952
−HK$5,076/mo
▼ 0.25% · 3.875%
HK$96,472
−HK$2,556/mo
Today · 4.125%
HK$99,028
baseline
▲ 0.50% · 4.625%
HK$104,248
+HK$5,220/mo
Deposit HK$2.06M · loan HK$18.52M · min. income ≈ HK$198,056/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$807,566 · Scale 2, in force from 26 Feb 2026)