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$47,806
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$49,293
−HK$1,511/mo
Today · 4.125%
HK$50,804
baseline
▲ 0.50% · 4.625%
HK$53,895
+HK$3,091/mo
Deposit HK$10.48M · loan HK$10.48M · min. income ≈ HK$101,608/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$846,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,184
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$54,610
−HK$1,447/mo
Today · 4.125%
HK$56,057
baseline
▲ 0.50% · 4.625%
HK$59,012
+HK$2,955/mo
Deposit HK$10.48M · loan HK$10.48M · min. income ≈ HK$112,114/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$846,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,368
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$59,152
−HK$1,813/mo
Today · 4.125%
HK$60,965
baseline
▲ 0.50% · 4.625%
HK$64,675
+HK$3,710/mo
Deposit HK$8.39M · loan HK$12.58M · min. income ≈ HK$121,930/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$846,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,821
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$65,532
−HK$1,737/mo
Today · 4.125%
HK$67,269
baseline
▲ 0.50% · 4.625%
HK$70,815
+HK$3,546/mo
Deposit HK$8.39M · loan HK$12.58M · min. income ≈ HK$134,538/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$846,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,929
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$69,011
−HK$2,115/mo
Today · 4.125%
HK$71,126
baseline
▲ 0.50% · 4.625%
HK$75,454
+HK$4,328/mo
Deposit HK$6.29M · loan HK$14.68M · min. income ≈ HK$142,252/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$846,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,458
−HK$4,022/mo
▼ 0.25% · 3.875%
HK$76,455
−HK$2,025/mo
Today · 4.125%
HK$78,480
baseline
▲ 0.50% · 4.625%
HK$82,617
+HK$4,137/mo
Deposit HK$6.29M · loan HK$14.68M · min. income ≈ HK$156,960/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$846,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,051
−HK$5,396/mo
▼ 0.25% · 3.875%
HK$88,728
−HK$2,719/mo
Today · 4.125%
HK$91,447
baseline
▲ 0.50% · 4.625%
HK$97,012
+HK$5,565/mo
Deposit HK$2.10M · loan HK$18.87M · min. income ≈ HK$182,894/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$846,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,731
−HK$5,172/mo
▼ 0.25% · 3.875%
HK$98,299
−HK$2,604/mo
Today · 4.125%
HK$100,903
baseline
▲ 0.50% · 4.625%
HK$106,222
+HK$5,319/mo
Deposit HK$2.10M · loan HK$18.87M · min. income ≈ HK$201,806/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$846,531 · Scale 2, in force from 26 Feb 2026)