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$47,154
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$48,621
−HK$1,490/mo
Today · 4.125%
HK$50,111
baseline
▲ 0.50% · 4.625%
HK$53,160
+HK$3,049/mo
Deposit HK$10.34M · loan HK$10.34M · min. income ≈ HK$100,222/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$817,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,458
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$53,865
−HK$1,427/mo
Today · 4.125%
HK$55,292
baseline
▲ 0.50% · 4.625%
HK$58,207
+HK$2,915/mo
Deposit HK$10.34M · loan HK$10.34M · min. income ≈ HK$110,584/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$817,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,585
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$58,345
−HK$1,788/mo
Today · 4.125%
HK$60,133
baseline
▲ 0.50% · 4.625%
HK$63,792
+HK$3,659/mo
Deposit HK$8.27M · loan HK$12.41M · min. income ≈ HK$120,266/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$817,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,950
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$64,638
−HK$1,713/mo
Today · 4.125%
HK$66,351
baseline
▲ 0.50% · 4.625%
HK$69,848
+HK$3,497/mo
Deposit HK$8.27M · loan HK$12.41M · min. income ≈ HK$132,702/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$817,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,015
−HK$4,140/mo
▼ 0.25% · 3.875%
HK$68,069
−HK$2,086/mo
Today · 4.125%
HK$70,155
baseline
▲ 0.50% · 4.625%
HK$74,424
+HK$4,269/mo
Deposit HK$6.20M · loan HK$14.48M · min. income ≈ HK$140,310/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$817,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,441
−HK$3,968/mo
▼ 0.25% · 3.875%
HK$75,411
−HK$1,998/mo
Today · 4.125%
HK$77,409
baseline
▲ 0.50% · 4.625%
HK$81,490
+HK$4,081/mo
Deposit HK$6.20M · loan HK$14.48M · min. income ≈ HK$154,818/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$817,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,877
−HK$5,322/mo
▼ 0.25% · 3.875%
HK$87,517
−HK$2,682/mo
Today · 4.125%
HK$90,199
baseline
▲ 0.50% · 4.625%
HK$95,688
+HK$5,489/mo
Deposit HK$2.07M · loan HK$18.61M · min. income ≈ HK$180,398/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$817,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,425
−HK$5,101/mo
▼ 0.25% · 3.875%
HK$96,957
−HK$2,569/mo
Today · 4.125%
HK$99,526
baseline
▲ 0.50% · 4.625%
HK$104,772
+HK$5,246/mo
Deposit HK$2.07M · loan HK$18.61M · min. income ≈ HK$199,052/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$817,916 · Scale 2, in force from 26 Feb 2026)