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$47,568
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$49,047
−HK$1,504/mo
Today · 4.125%
HK$50,551
baseline
▲ 0.50% · 4.625%
HK$53,626
+HK$3,075/mo
Deposit HK$10.43M · loan HK$10.43M · min. income ≈ HK$101,102/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$836,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,919
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$54,338
−HK$1,440/mo
Today · 4.125%
HK$55,778
baseline
▲ 0.50% · 4.625%
HK$58,718
+HK$2,940/mo
Deposit HK$10.43M · loan HK$10.43M · min. income ≈ HK$111,556/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$836,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,081
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$58,857
−HK$1,804/mo
Today · 4.125%
HK$60,661
baseline
▲ 0.50% · 4.625%
HK$64,352
+HK$3,691/mo
Deposit HK$8.34M · loan HK$12.52M · min. income ≈ HK$121,322/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$836,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,502
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$65,205
−HK$1,728/mo
Today · 4.125%
HK$66,933
baseline
▲ 0.50% · 4.625%
HK$70,461
+HK$3,528/mo
Deposit HK$8.34M · loan HK$12.52M · min. income ≈ HK$133,866/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$836,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,595
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$68,666
−HK$2,105/mo
Today · 4.125%
HK$70,771
baseline
▲ 0.50% · 4.625%
HK$75,077
+HK$4,306/mo
Deposit HK$6.26M · loan HK$14.60M · min. income ≈ HK$141,542/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$836,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,086
−HK$4,003/mo
▼ 0.25% · 3.875%
HK$76,073
−HK$2,016/mo
Today · 4.125%
HK$78,089
baseline
▲ 0.50% · 4.625%
HK$82,205
+HK$4,116/mo
Deposit HK$6.26M · loan HK$14.60M · min. income ≈ HK$156,178/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$836,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,622
−HK$5,369/mo
▼ 0.25% · 3.875%
HK$88,285
−HK$2,706/mo
Today · 4.125%
HK$90,991
baseline
▲ 0.50% · 4.625%
HK$96,528
+HK$5,537/mo
Deposit HK$2.09M · loan HK$18.77M · min. income ≈ HK$181,982/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$836,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,253
−HK$5,147/mo
▼ 0.25% · 3.875%
HK$97,808
−HK$2,592/mo
Today · 4.125%
HK$100,400
baseline
▲ 0.50% · 4.625%
HK$105,692
+HK$5,292/mo
Deposit HK$2.09M · loan HK$18.77M · min. income ≈ HK$200,800/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$836,068 · Scale 2, in force from 26 Feb 2026)