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$47,060
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$48,524
−HK$1,487/mo
Today · 4.125%
HK$50,011
baseline
▲ 0.50% · 4.625%
HK$53,054
+HK$3,043/mo
Deposit HK$10.32M · loan HK$10.32M · min. income ≈ HK$100,022/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$813,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,354
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$53,758
−HK$1,425/mo
Today · 4.125%
HK$55,183
baseline
▲ 0.50% · 4.625%
HK$58,091
+HK$2,908/mo
Deposit HK$10.32M · loan HK$10.32M · min. income ≈ HK$110,366/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$813,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,472
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$58,229
−HK$1,785/mo
Today · 4.125%
HK$60,014
baseline
▲ 0.50% · 4.625%
HK$63,665
+HK$3,651/mo
Deposit HK$8.26M · loan HK$12.38M · min. income ≈ HK$120,028/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$813,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,825
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$64,510
−HK$1,709/mo
Today · 4.125%
HK$66,219
baseline
▲ 0.50% · 4.625%
HK$69,710
+HK$3,491/mo
Deposit HK$8.26M · loan HK$12.38M · min. income ≈ HK$132,438/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$813,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,884
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$67,934
−HK$2,082/mo
Today · 4.125%
HK$70,016
baseline
▲ 0.50% · 4.625%
HK$74,276
+HK$4,260/mo
Deposit HK$6.19M · loan HK$14.45M · min. income ≈ HK$140,032/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$813,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,296
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$75,262
−HK$1,994/mo
Today · 4.125%
HK$77,256
baseline
▲ 0.50% · 4.625%
HK$81,328
+HK$4,072/mo
Deposit HK$6.19M · loan HK$14.45M · min. income ≈ HK$154,512/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$813,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,709
−HK$5,312/mo
▼ 0.25% · 3.875%
HK$87,343
−HK$2,678/mo
Today · 4.125%
HK$90,021
baseline
▲ 0.50% · 4.625%
HK$95,498
+HK$5,477/mo
Deposit HK$2.06M · loan HK$18.57M · min. income ≈ HK$180,042/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$813,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,237
−HK$5,092/mo
▼ 0.25% · 3.875%
HK$96,765
−HK$2,564/mo
Today · 4.125%
HK$99,329
baseline
▲ 0.50% · 4.625%
HK$104,565
+HK$5,236/mo
Deposit HK$2.06M · loan HK$18.57M · min. income ≈ HK$198,658/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$813,816 · Scale 2, in force from 26 Feb 2026)