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$47,372
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$48,846
−HK$1,497/mo
Today · 4.125%
HK$50,343
baseline
▲ 0.50% · 4.625%
HK$53,406
+HK$3,063/mo
Deposit HK$10.39M · loan HK$10.39M · min. income ≈ HK$100,686/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$827,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,701
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$54,114
−HK$1,434/mo
Today · 4.125%
HK$55,548
baseline
▲ 0.50% · 4.625%
HK$58,476
+HK$2,928/mo
Deposit HK$10.39M · loan HK$10.39M · min. income ≈ HK$111,096/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$827,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,846
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$58,615
−HK$1,796/mo
Today · 4.125%
HK$60,411
baseline
▲ 0.50% · 4.625%
HK$64,087
+HK$3,676/mo
Deposit HK$8.31M · loan HK$12.46M · min. income ≈ HK$120,822/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$827,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,241
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$64,937
−HK$1,721/mo
Today · 4.125%
HK$66,658
baseline
▲ 0.50% · 4.625%
HK$70,171
+HK$3,513/mo
Deposit HK$8.31M · loan HK$12.46M · min. income ≈ HK$133,316/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$827,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,321
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$68,384
−HK$2,096/mo
Today · 4.125%
HK$70,480
baseline
▲ 0.50% · 4.625%
HK$74,768
+HK$4,288/mo
Deposit HK$6.23M · loan HK$14.54M · min. income ≈ HK$140,960/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$827,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,781
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$75,760
−HK$2,007/mo
Today · 4.125%
HK$77,767
baseline
▲ 0.50% · 4.625%
HK$81,867
+HK$4,100/mo
Deposit HK$6.23M · loan HK$14.54M · min. income ≈ HK$155,534/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$827,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,270
−HK$5,347/mo
▼ 0.25% · 3.875%
HK$87,922
−HK$2,695/mo
Today · 4.125%
HK$90,617
baseline
▲ 0.50% · 4.625%
HK$96,131
+HK$5,514/mo
Deposit HK$2.08M · loan HK$18.70M · min. income ≈ HK$181,234/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$827,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,862
−HK$5,125/mo
▼ 0.25% · 3.875%
HK$97,406
−HK$2,581/mo
Today · 4.125%
HK$99,987
baseline
▲ 0.50% · 4.625%
HK$105,257
+HK$5,270/mo
Deposit HK$2.08M · loan HK$18.70M · min. income ≈ HK$199,974/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$827,488 · Scale 2, in force from 26 Feb 2026)