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$46,891
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$48,350
−HK$1,482/mo
Today · 4.125%
HK$49,832
baseline
▲ 0.50% · 4.625%
HK$52,864
+HK$3,032/mo
Deposit HK$10.28M · loan HK$10.28M · min. income ≈ HK$99,664/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$806,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,166
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$53,565
−HK$1,420/mo
Today · 4.125%
HK$54,985
baseline
▲ 0.50% · 4.625%
HK$57,883
+HK$2,898/mo
Deposit HK$10.28M · loan HK$10.28M · min. income ≈ HK$109,970/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$806,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,270
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$58,020
−HK$1,778/mo
Today · 4.125%
HK$59,798
baseline
▲ 0.50% · 4.625%
HK$63,437
+HK$3,639/mo
Deposit HK$8.23M · loan HK$12.34M · min. income ≈ HK$119,596/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$806,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,599
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$64,278
−HK$1,703/mo
Today · 4.125%
HK$65,981
baseline
▲ 0.50% · 4.625%
HK$69,459
+HK$3,478/mo
Deposit HK$8.23M · loan HK$12.34M · min. income ≈ HK$131,962/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$806,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,648
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$67,690
−HK$2,075/mo
Today · 4.125%
HK$69,765
baseline
▲ 0.50% · 4.625%
HK$74,010
+HK$4,245/mo
Deposit HK$6.17M · loan HK$14.39M · min. income ≈ HK$139,530/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$806,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,033
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$74,991
−HK$1,987/mo
Today · 4.125%
HK$76,978
baseline
▲ 0.50% · 4.625%
HK$81,036
+HK$4,058/mo
Deposit HK$6.17M · loan HK$14.39M · min. income ≈ HK$153,956/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$806,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,404
−HK$5,293/mo
▼ 0.25% · 3.875%
HK$87,030
−HK$2,667/mo
Today · 4.125%
HK$89,697
baseline
▲ 0.50% · 4.625%
HK$95,155
+HK$5,458/mo
Deposit HK$2.06M · loan HK$18.51M · min. income ≈ HK$179,394/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$806,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,899
−HK$5,073/mo
▼ 0.25% · 3.875%
HK$96,417
−HK$2,555/mo
Today · 4.125%
HK$98,972
baseline
▲ 0.50% · 4.625%
HK$104,189
+HK$5,217/mo
Deposit HK$2.06M · loan HK$18.51M · min. income ≈ HK$197,944/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$806,407 · Scale 2, in force from 26 Feb 2026)