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$47,782
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$49,268
−HK$1,510/mo
Today · 4.125%
HK$50,778
baseline
▲ 0.50% · 4.625%
HK$53,868
+HK$3,090/mo
Deposit HK$10.48M · loan HK$10.48M · min. income ≈ HK$101,556/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$845,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,157
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$54,582
−HK$1,447/mo
Today · 4.125%
HK$56,029
baseline
▲ 0.50% · 4.625%
HK$58,982
+HK$2,953/mo
Deposit HK$10.48M · loan HK$10.48M · min. income ≈ HK$112,058/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$845,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,338
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$59,122
−HK$1,812/mo
Today · 4.125%
HK$60,934
baseline
▲ 0.50% · 4.625%
HK$64,641
+HK$3,707/mo
Deposit HK$8.38M · loan HK$12.57M · min. income ≈ HK$121,868/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$845,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,788
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$65,499
−HK$1,735/mo
Today · 4.125%
HK$67,234
baseline
▲ 0.50% · 4.625%
HK$70,778
+HK$3,544/mo
Deposit HK$8.38M · loan HK$12.57M · min. income ≈ HK$134,468/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$845,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,895
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$68,975
−HK$2,114/mo
Today · 4.125%
HK$71,089
baseline
▲ 0.50% · 4.625%
HK$75,415
+HK$4,326/mo
Deposit HK$6.29M · loan HK$14.67M · min. income ≈ HK$142,178/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$845,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,420
−HK$4,020/mo
▼ 0.25% · 3.875%
HK$76,415
−HK$2,025/mo
Today · 4.125%
HK$78,440
baseline
▲ 0.50% · 4.625%
HK$82,575
+HK$4,135/mo
Deposit HK$6.29M · loan HK$14.67M · min. income ≈ HK$156,880/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$845,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,007
−HK$5,394/mo
▼ 0.25% · 3.875%
HK$88,683
−HK$2,718/mo
Today · 4.125%
HK$91,401
baseline
▲ 0.50% · 4.625%
HK$96,962
+HK$5,561/mo
Deposit HK$2.10M · loan HK$18.86M · min. income ≈ HK$182,802/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$845,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,682
−HK$5,170/mo
▼ 0.25% · 3.875%
HK$98,248
−HK$2,604/mo
Today · 4.125%
HK$100,852
baseline
▲ 0.50% · 4.625%
HK$106,168
+HK$5,316/mo
Deposit HK$2.10M · loan HK$18.86M · min. income ≈ HK$201,704/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$845,459 · Scale 2, in force from 26 Feb 2026)