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$47,429
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$48,904
−HK$1,499/mo
Today · 4.125%
HK$50,403
baseline
▲ 0.50% · 4.625%
HK$53,470
+HK$3,067/mo
Deposit HK$10.40M · loan HK$10.40M · min. income ≈ HK$100,806/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$829,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,764
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$54,179
−HK$1,436/mo
Today · 4.125%
HK$55,615
baseline
▲ 0.50% · 4.625%
HK$58,547
+HK$2,932/mo
Deposit HK$10.40M · loan HK$10.40M · min. income ≈ HK$111,230/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$829,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,915
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$58,685
−HK$1,799/mo
Today · 4.125%
HK$60,484
baseline
▲ 0.50% · 4.625%
HK$64,164
+HK$3,680/mo
Deposit HK$8.32M · loan HK$12.48M · min. income ≈ HK$120,968/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$829,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,317
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$65,015
−HK$1,723/mo
Today · 4.125%
HK$66,738
baseline
▲ 0.50% · 4.625%
HK$70,256
+HK$3,518/mo
Deposit HK$8.32M · loan HK$12.48M · min. income ≈ HK$133,476/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$829,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,401
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$68,466
−HK$2,099/mo
Today · 4.125%
HK$70,565
baseline
▲ 0.50% · 4.625%
HK$74,858
+HK$4,293/mo
Deposit HK$6.24M · loan HK$14.56M · min. income ≈ HK$141,130/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$829,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,870
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$75,851
−HK$2,010/mo
Today · 4.125%
HK$77,861
baseline
▲ 0.50% · 4.625%
HK$81,965
+HK$4,104/mo
Deposit HK$6.24M · loan HK$14.56M · min. income ≈ HK$155,722/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$829,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,372
−HK$5,354/mo
▼ 0.25% · 3.875%
HK$88,028
−HK$2,698/mo
Today · 4.125%
HK$90,726
baseline
▲ 0.50% · 4.625%
HK$96,246
+HK$5,520/mo
Deposit HK$2.08M · loan HK$18.72M · min. income ≈ HK$181,452/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$829,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,976
−HK$5,131/mo
▼ 0.25% · 3.875%
HK$97,523
−HK$2,584/mo
Today · 4.125%
HK$100,107
baseline
▲ 0.50% · 4.625%
HK$105,384
+HK$5,277/mo
Deposit HK$2.08M · loan HK$18.72M · min. income ≈ HK$200,214/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$829,988 · Scale 2, in force from 26 Feb 2026)