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$47,122
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$48,588
−HK$1,489/mo
Today · 4.125%
HK$50,077
baseline
▲ 0.50% · 4.625%
HK$53,124
+HK$3,047/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$100,154/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$816,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,423
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$53,829
−HK$1,426/mo
Today · 4.125%
HK$55,255
baseline
▲ 0.50% · 4.625%
HK$58,168
+HK$2,913/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$110,510/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$816,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,546
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$58,305
−HK$1,787/mo
Today · 4.125%
HK$60,092
baseline
▲ 0.50% · 4.625%
HK$63,749
+HK$3,657/mo
Deposit HK$8.27M · loan HK$12.40M · min. income ≈ HK$120,184/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$816,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,907
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$64,594
−HK$1,712/mo
Today · 4.125%
HK$66,306
baseline
▲ 0.50% · 4.625%
HK$69,801
+HK$3,495/mo
Deposit HK$8.27M · loan HK$12.40M · min. income ≈ HK$132,612/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$816,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,971
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$68,023
−HK$2,085/mo
Today · 4.125%
HK$70,108
baseline
▲ 0.50% · 4.625%
HK$74,374
+HK$4,266/mo
Deposit HK$6.20M · loan HK$14.47M · min. income ≈ HK$140,216/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$816,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,392
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$75,360
−HK$1,997/mo
Today · 4.125%
HK$77,357
baseline
▲ 0.50% · 4.625%
HK$81,435
+HK$4,078/mo
Deposit HK$6.20M · loan HK$14.47M · min. income ≈ HK$154,714/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$816,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,820
−HK$5,318/mo
▼ 0.25% · 3.875%
HK$87,458
−HK$2,680/mo
Today · 4.125%
HK$90,138
baseline
▲ 0.50% · 4.625%
HK$95,623
+HK$5,485/mo
Deposit HK$2.07M · loan HK$18.60M · min. income ≈ HK$180,276/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$816,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,361
−HK$5,098/mo
▼ 0.25% · 3.875%
HK$96,892
−HK$2,567/mo
Today · 4.125%
HK$99,459
baseline
▲ 0.50% · 4.625%
HK$104,702
+HK$5,243/mo
Deposit HK$2.07M · loan HK$18.60M · min. income ≈ HK$198,918/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$816,521 · Scale 2, in force from 26 Feb 2026)