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$47,540
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$49,018
−HK$1,503/mo
Today · 4.125%
HK$50,521
baseline
▲ 0.50% · 4.625%
HK$53,595
+HK$3,074/mo
Deposit HK$10.42M · loan HK$10.42M · min. income ≈ HK$101,042/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$834,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,887
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$54,306
−HK$1,439/mo
Today · 4.125%
HK$55,745
baseline
▲ 0.50% · 4.625%
HK$58,683
+HK$2,938/mo
Deposit HK$10.42M · loan HK$10.42M · min. income ≈ HK$111,490/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$834,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,047
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$58,822
−HK$1,803/mo
Today · 4.125%
HK$60,625
baseline
▲ 0.50% · 4.625%
HK$64,314
+HK$3,689/mo
Deposit HK$8.34M · loan HK$12.51M · min. income ≈ HK$121,250/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$834,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,465
−HK$3,428/mo
▼ 0.25% · 3.875%
HK$65,167
−HK$1,726/mo
Today · 4.125%
HK$66,893
baseline
▲ 0.50% · 4.625%
HK$70,420
+HK$3,527/mo
Deposit HK$8.34M · loan HK$12.51M · min. income ≈ HK$133,786/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$834,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,555
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$68,626
−HK$2,103/mo
Today · 4.125%
HK$70,729
baseline
▲ 0.50% · 4.625%
HK$75,033
+HK$4,304/mo
Deposit HK$6.25M · loan HK$14.59M · min. income ≈ HK$141,458/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$834,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,042
−HK$4,000/mo
▼ 0.25% · 3.875%
HK$76,028
−HK$2,014/mo
Today · 4.125%
HK$78,042
baseline
▲ 0.50% · 4.625%
HK$82,156
+HK$4,114/mo
Deposit HK$6.25M · loan HK$14.59M · min. income ≈ HK$156,084/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$834,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,571
−HK$5,366/mo
▼ 0.25% · 3.875%
HK$88,233
−HK$2,704/mo
Today · 4.125%
HK$90,937
baseline
▲ 0.50% · 4.625%
HK$96,471
+HK$5,534/mo
Deposit HK$2.08M · loan HK$18.76M · min. income ≈ HK$181,874/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$834,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,197
−HK$5,143/mo
▼ 0.25% · 3.875%
HK$97,750
−HK$2,590/mo
Today · 4.125%
HK$100,340
baseline
▲ 0.50% · 4.625%
HK$105,629
+HK$5,289/mo
Deposit HK$2.08M · loan HK$18.76M · min. income ≈ HK$200,680/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$834,832 · Scale 2, in force from 26 Feb 2026)