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$46,111
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$47,545
−HK$1,458/mo
Today · 4.125%
HK$49,003
baseline
▲ 0.50% · 4.625%
HK$51,984
+HK$2,981/mo
Deposit HK$10.11M · loan HK$10.11M · min. income ≈ HK$98,006/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$772,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,298
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$52,674
−HK$1,395/mo
Today · 4.125%
HK$54,069
baseline
▲ 0.50% · 4.625%
HK$56,920
+HK$2,851/mo
Deposit HK$10.11M · loan HK$10.11M · min. income ≈ HK$108,138/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$772,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,333
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$57,054
−HK$1,749/mo
Today · 4.125%
HK$58,803
baseline
▲ 0.50% · 4.625%
HK$62,381
+HK$3,578/mo
Deposit HK$8.09M · loan HK$12.13M · min. income ≈ HK$117,606/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$772,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,558
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$63,208
−HK$1,675/mo
Today · 4.125%
HK$64,883
baseline
▲ 0.50% · 4.625%
HK$68,303
+HK$3,420/mo
Deposit HK$8.09M · loan HK$12.13M · min. income ≈ HK$129,766/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$772,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,555
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$66,563
−HK$2,041/mo
Today · 4.125%
HK$68,604
baseline
▲ 0.50% · 4.625%
HK$72,778
+HK$4,174/mo
Deposit HK$6.07M · loan HK$14.16M · min. income ≈ HK$137,208/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$772,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,817
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$73,743
−HK$1,954/mo
Today · 4.125%
HK$75,697
baseline
▲ 0.50% · 4.625%
HK$79,687
+HK$3,990/mo
Deposit HK$6.07M · loan HK$14.16M · min. income ≈ HK$151,394/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$772,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,000
−HK$5,205/mo
▼ 0.25% · 3.875%
HK$85,581
−HK$2,624/mo
Today · 4.125%
HK$88,205
baseline
▲ 0.50% · 4.625%
HK$93,572
+HK$5,367/mo
Deposit HK$2.02M · loan HK$18.20M · min. income ≈ HK$176,410/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$772,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,336
−HK$4,989/mo
▼ 0.25% · 3.875%
HK$94,813
−HK$2,512/mo
Today · 4.125%
HK$97,325
baseline
▲ 0.50% · 4.625%
HK$102,455
+HK$5,130/mo
Deposit HK$2.02M · loan HK$18.20M · min. income ≈ HK$194,650/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$772,183 · Scale 2, in force from 26 Feb 2026)