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$47,205
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$48,673
−HK$1,492/mo
Today · 4.125%
HK$50,165
baseline
▲ 0.50% · 4.625%
HK$53,217
+HK$3,052/mo
Deposit HK$10.35M · loan HK$10.35M · min. income ≈ HK$100,330/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$820,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,515
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$53,923
−HK$1,429/mo
Today · 4.125%
HK$55,352
baseline
▲ 0.50% · 4.625%
HK$58,270
+HK$2,918/mo
Deposit HK$10.35M · loan HK$10.35M · min. income ≈ HK$110,704/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$820,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,646
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$58,408
−HK$1,790/mo
Today · 4.125%
HK$60,198
baseline
▲ 0.50% · 4.625%
HK$63,861
+HK$3,663/mo
Deposit HK$8.28M · loan HK$12.42M · min. income ≈ HK$120,396/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$820,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,018
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$64,708
−HK$1,714/mo
Today · 4.125%
HK$66,422
baseline
▲ 0.50% · 4.625%
HK$69,924
+HK$3,502/mo
Deposit HK$8.28M · loan HK$12.42M · min. income ≈ HK$132,844/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$820,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,087
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$68,142
−HK$2,089/mo
Today · 4.125%
HK$70,231
baseline
▲ 0.50% · 4.625%
HK$74,504
+HK$4,273/mo
Deposit HK$6.21M · loan HK$14.49M · min. income ≈ HK$140,462/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$820,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,521
−HK$3,972/mo
▼ 0.25% · 3.875%
HK$75,493
−HK$2,000/mo
Today · 4.125%
HK$77,493
baseline
▲ 0.50% · 4.625%
HK$81,578
+HK$4,085/mo
Deposit HK$6.21M · loan HK$14.49M · min. income ≈ HK$154,986/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$820,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,969
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$87,612
−HK$2,685/mo
Today · 4.125%
HK$90,297
baseline
▲ 0.50% · 4.625%
HK$95,791
+HK$5,494/mo
Deposit HK$2.07M · loan HK$18.63M · min. income ≈ HK$180,594/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$820,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,527
−HK$5,107/mo
▼ 0.25% · 3.875%
HK$97,062
−HK$2,572/mo
Today · 4.125%
HK$99,634
baseline
▲ 0.50% · 4.625%
HK$104,885
+HK$5,251/mo
Deposit HK$2.07M · loan HK$18.63M · min. income ≈ HK$199,268/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$820,151 · Scale 2, in force from 26 Feb 2026)