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$47,016
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$48,479
−HK$1,485/mo
Today · 4.125%
HK$49,964
baseline
▲ 0.50% · 4.625%
HK$53,005
+HK$3,041/mo
Deposit HK$10.31M · loan HK$10.31M · min. income ≈ HK$99,928/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$811,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,305
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$53,708
−HK$1,423/mo
Today · 4.125%
HK$55,131
baseline
▲ 0.50% · 4.625%
HK$58,037
+HK$2,906/mo
Deposit HK$10.31M · loan HK$10.31M · min. income ≈ HK$110,262/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$811,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,419
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$58,174
−HK$1,783/mo
Today · 4.125%
HK$59,957
baseline
▲ 0.50% · 4.625%
HK$63,606
+HK$3,649/mo
Deposit HK$8.25M · loan HK$12.37M · min. income ≈ HK$119,914/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$811,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,766
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$64,449
−HK$1,708/mo
Today · 4.125%
HK$66,157
baseline
▲ 0.50% · 4.625%
HK$69,644
+HK$3,487/mo
Deposit HK$8.25M · loan HK$12.37M · min. income ≈ HK$132,314/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$811,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,823
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$67,870
−HK$2,080/mo
Today · 4.125%
HK$69,950
baseline
▲ 0.50% · 4.625%
HK$74,207
+HK$4,257/mo
Deposit HK$6.19M · loan HK$14.43M · min. income ≈ HK$139,900/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$811,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,227
−HK$3,956/mo
▼ 0.25% · 3.875%
HK$75,191
−HK$1,992/mo
Today · 4.125%
HK$77,183
baseline
▲ 0.50% · 4.625%
HK$81,252
+HK$4,069/mo
Deposit HK$6.19M · loan HK$14.43M · min. income ≈ HK$154,366/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$811,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,629
−HK$5,307/mo
▼ 0.25% · 3.875%
HK$87,261
−HK$2,675/mo
Today · 4.125%
HK$89,936
baseline
▲ 0.50% · 4.625%
HK$95,408
+HK$5,472/mo
Deposit HK$2.06M · loan HK$18.56M · min. income ≈ HK$179,872/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$811,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,149
−HK$5,086/mo
▼ 0.25% · 3.875%
HK$96,674
−HK$2,561/mo
Today · 4.125%
HK$99,235
baseline
▲ 0.50% · 4.625%
HK$104,466
+HK$5,231/mo
Deposit HK$2.06M · loan HK$18.56M · min. income ≈ HK$198,470/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$811,878 · Scale 2, in force from 26 Feb 2026)