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$46,940
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$48,400
−HK$1,484/mo
Today · 4.125%
HK$49,884
baseline
▲ 0.50% · 4.625%
HK$52,919
+HK$3,035/mo
Deposit HK$10.29M · loan HK$10.29M · min. income ≈ HK$99,768/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$808,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,220
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$53,621
−HK$1,421/mo
Today · 4.125%
HK$55,042
baseline
▲ 0.50% · 4.625%
HK$57,943
+HK$2,901/mo
Deposit HK$10.29M · loan HK$10.29M · min. income ≈ HK$110,084/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$808,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,328
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$58,080
−HK$1,780/mo
Today · 4.125%
HK$59,860
baseline
▲ 0.50% · 4.625%
HK$63,503
+HK$3,643/mo
Deposit HK$8.23M · loan HK$12.35M · min. income ≈ HK$119,720/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$808,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,665
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$64,345
−HK$1,705/mo
Today · 4.125%
HK$66,050
baseline
▲ 0.50% · 4.625%
HK$69,532
+HK$3,482/mo
Deposit HK$8.23M · loan HK$12.35M · min. income ≈ HK$132,100/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$808,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,716
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$67,760
−HK$2,077/mo
Today · 4.125%
HK$69,837
baseline
▲ 0.50% · 4.625%
HK$74,087
+HK$4,250/mo
Deposit HK$6.18M · loan HK$14.41M · min. income ≈ HK$139,674/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$808,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,109
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$75,069
−HK$1,989/mo
Today · 4.125%
HK$77,058
baseline
▲ 0.50% · 4.625%
HK$81,120
+HK$4,062/mo
Deposit HK$6.18M · loan HK$14.41M · min. income ≈ HK$154,116/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$808,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,492
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$87,120
−HK$2,671/mo
Today · 4.125%
HK$89,791
baseline
▲ 0.50% · 4.625%
HK$95,254
+HK$5,463/mo
Deposit HK$2.06M · loan HK$18.53M · min. income ≈ HK$179,582/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$808,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,997
−HK$5,078/mo
▼ 0.25% · 3.875%
HK$96,518
−HK$2,557/mo
Today · 4.125%
HK$99,075
baseline
▲ 0.50% · 4.625%
HK$104,298
+HK$5,223/mo
Deposit HK$2.06M · loan HK$18.53M · min. income ≈ HK$198,150/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$808,548 · Scale 2, in force from 26 Feb 2026)