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$46,585
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$48,034
−HK$1,473/mo
Today · 4.125%
HK$49,507
baseline
▲ 0.50% · 4.625%
HK$52,519
+HK$3,012/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$99,014/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$792,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,826
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$53,216
−HK$1,410/mo
Today · 4.125%
HK$54,626
baseline
▲ 0.50% · 4.625%
HK$57,505
+HK$2,879/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$109,252/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$792,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,902
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$57,641
−HK$1,767/mo
Today · 4.125%
HK$59,408
baseline
▲ 0.50% · 4.625%
HK$63,023
+HK$3,615/mo
Deposit HK$8.17M · loan HK$12.26M · min. income ≈ HK$118,816/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$792,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,191
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$63,859
−HK$1,692/mo
Today · 4.125%
HK$65,551
baseline
▲ 0.50% · 4.625%
HK$69,006
+HK$3,455/mo
Deposit HK$8.17M · loan HK$12.26M · min. income ≈ HK$131,102/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$792,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,220
−HK$4,089/mo
▼ 0.25% · 3.875%
HK$67,248
−HK$2,061/mo
Today · 4.125%
HK$69,309
baseline
▲ 0.50% · 4.625%
HK$73,527
+HK$4,218/mo
Deposit HK$6.13M · loan HK$14.30M · min. income ≈ HK$138,618/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$792,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,556
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$74,502
−HK$1,974/mo
Today · 4.125%
HK$76,476
baseline
▲ 0.50% · 4.625%
HK$80,507
+HK$4,031/mo
Deposit HK$6.13M · loan HK$14.30M · min. income ≈ HK$152,952/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$792,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,854
−HK$5,258/mo
▼ 0.25% · 3.875%
HK$86,462
−HK$2,650/mo
Today · 4.125%
HK$89,112
baseline
▲ 0.50% · 4.625%
HK$94,534
+HK$5,422/mo
Deposit HK$2.04M · loan HK$18.39M · min. income ≈ HK$178,224/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$792,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,286
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$95,788
−HK$2,538/mo
Today · 4.125%
HK$98,326
baseline
▲ 0.50% · 4.625%
HK$103,509
+HK$5,183/mo
Deposit HK$2.04M · loan HK$18.39M · min. income ≈ HK$196,652/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$792,990 · Scale 2, in force from 26 Feb 2026)