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$46,946
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$48,406
−HK$1,484/mo
Today · 4.125%
HK$49,890
baseline
▲ 0.50% · 4.625%
HK$52,926
+HK$3,036/mo
Deposit HK$10.29M · loan HK$10.29M · min. income ≈ HK$99,780/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$808,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,227
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$53,628
−HK$1,421/mo
Today · 4.125%
HK$55,049
baseline
▲ 0.50% · 4.625%
HK$57,950
+HK$2,901/mo
Deposit HK$10.29M · loan HK$10.29M · min. income ≈ HK$110,098/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$808,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,335
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$58,087
−HK$1,781/mo
Today · 4.125%
HK$59,868
baseline
▲ 0.50% · 4.625%
HK$63,511
+HK$3,643/mo
Deposit HK$8.24M · loan HK$12.35M · min. income ≈ HK$119,736/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$808,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,672
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$64,353
−HK$1,705/mo
Today · 4.125%
HK$66,058
baseline
▲ 0.50% · 4.625%
HK$69,540
+HK$3,482/mo
Deposit HK$8.24M · loan HK$12.35M · min. income ≈ HK$132,116/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$808,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,724
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$67,769
−HK$2,077/mo
Today · 4.125%
HK$69,846
baseline
▲ 0.50% · 4.625%
HK$74,096
+HK$4,250/mo
Deposit HK$6.18M · loan HK$14.41M · min. income ≈ HK$139,692/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$808,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,118
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$75,079
−HK$1,989/mo
Today · 4.125%
HK$77,068
baseline
▲ 0.50% · 4.625%
HK$81,130
+HK$4,062/mo
Deposit HK$6.18M · loan HK$14.41M · min. income ≈ HK$154,136/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$808,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,503
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$87,131
−HK$2,671/mo
Today · 4.125%
HK$89,802
baseline
▲ 0.50% · 4.625%
HK$95,266
+HK$5,464/mo
Deposit HK$2.06M · loan HK$18.53M · min. income ≈ HK$179,604/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$808,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,008
−HK$5,079/mo
▼ 0.25% · 3.875%
HK$96,530
−HK$2,557/mo
Today · 4.125%
HK$99,087
baseline
▲ 0.50% · 4.625%
HK$104,310
+HK$5,223/mo
Deposit HK$2.06M · loan HK$18.53M · min. income ≈ HK$198,174/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$808,800 · Scale 2, in force from 26 Feb 2026)