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$46,692
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$48,145
−HK$1,475/mo
Today · 4.125%
HK$49,620
baseline
▲ 0.50% · 4.625%
HK$52,639
+HK$3,019/mo
Deposit HK$10.24M · loan HK$10.24M · min. income ≈ HK$99,240/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$797,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,945
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$53,338
−HK$1,413/mo
Today · 4.125%
HK$54,751
baseline
▲ 0.50% · 4.625%
HK$57,637
+HK$2,886/mo
Deposit HK$10.24M · loan HK$10.24M · min. income ≈ HK$109,502/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$797,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,031
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$57,773
−HK$1,771/mo
Today · 4.125%
HK$59,544
baseline
▲ 0.50% · 4.625%
HK$63,167
+HK$3,623/mo
Deposit HK$8.19M · loan HK$12.29M · min. income ≈ HK$119,088/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$797,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,333
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$64,005
−HK$1,696/mo
Today · 4.125%
HK$65,701
baseline
▲ 0.50% · 4.625%
HK$69,164
+HK$3,463/mo
Deposit HK$8.19M · loan HK$12.29M · min. income ≈ HK$131,402/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$797,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,369
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$67,402
−HK$2,066/mo
Today · 4.125%
HK$69,468
baseline
▲ 0.50% · 4.625%
HK$73,695
+HK$4,227/mo
Deposit HK$6.14M · loan HK$14.33M · min. income ≈ HK$138,936/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$797,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,722
−HK$3,929/mo
▼ 0.25% · 3.875%
HK$74,673
−HK$1,978/mo
Today · 4.125%
HK$76,651
baseline
▲ 0.50% · 4.625%
HK$80,692
+HK$4,041/mo
Deposit HK$6.14M · loan HK$14.33M · min. income ≈ HK$153,302/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$797,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,046
−HK$5,270/mo
▼ 0.25% · 3.875%
HK$86,660
−HK$2,656/mo
Today · 4.125%
HK$89,316
baseline
▲ 0.50% · 4.625%
HK$94,751
+HK$5,435/mo
Deposit HK$2.05M · loan HK$18.43M · min. income ≈ HK$178,632/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$797,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,500
−HK$5,052/mo
▼ 0.25% · 3.875%
HK$96,008
−HK$2,544/mo
Today · 4.125%
HK$98,552
baseline
▲ 0.50% · 4.625%
HK$103,747
+HK$5,195/mo
Deposit HK$2.05M · loan HK$18.43M · min. income ≈ HK$197,104/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$797,672 · Scale 2, in force from 26 Feb 2026)