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$47,584
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$49,065
−HK$1,503/mo
Today · 4.125%
HK$50,568
baseline
▲ 0.50% · 4.625%
HK$53,645
+HK$3,077/mo
Deposit HK$10.43M · loan HK$10.43M · min. income ≈ HK$101,136/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$836,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,937
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$54,357
−HK$1,440/mo
Today · 4.125%
HK$55,797
baseline
▲ 0.50% · 4.625%
HK$58,738
+HK$2,941/mo
Deposit HK$10.43M · loan HK$10.43M · min. income ≈ HK$111,594/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$836,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,101
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$58,878
−HK$1,804/mo
Today · 4.125%
HK$60,682
baseline
▲ 0.50% · 4.625%
HK$64,374
+HK$3,692/mo
Deposit HK$8.35M · loan HK$12.52M · min. income ≈ HK$121,364/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$836,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,525
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$65,228
−HK$1,729/mo
Today · 4.125%
HK$66,957
baseline
▲ 0.50% · 4.625%
HK$70,486
+HK$3,529/mo
Deposit HK$8.35M · loan HK$12.52M · min. income ≈ HK$133,914/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$836,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,618
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$68,690
−HK$2,106/mo
Today · 4.125%
HK$70,796
baseline
▲ 0.50% · 4.625%
HK$75,104
+HK$4,308/mo
Deposit HK$6.26M · loan HK$14.61M · min. income ≈ HK$141,592/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$836,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,112
−HK$4,004/mo
▼ 0.25% · 3.875%
HK$76,100
−HK$2,016/mo
Today · 4.125%
HK$78,116
baseline
▲ 0.50% · 4.625%
HK$82,234
+HK$4,118/mo
Deposit HK$6.26M · loan HK$14.61M · min. income ≈ HK$156,232/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$836,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,652
−HK$5,371/mo
▼ 0.25% · 3.875%
HK$88,316
−HK$2,707/mo
Today · 4.125%
HK$91,023
baseline
▲ 0.50% · 4.625%
HK$96,562
+HK$5,539/mo
Deposit HK$2.09M · loan HK$18.78M · min. income ≈ HK$182,046/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$836,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,287
−HK$5,148/mo
▼ 0.25% · 3.875%
HK$97,843
−HK$2,592/mo
Today · 4.125%
HK$100,435
baseline
▲ 0.50% · 4.625%
HK$105,729
+HK$5,294/mo
Deposit HK$2.09M · loan HK$18.78M · min. income ≈ HK$200,870/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$836,803 · Scale 2, in force from 26 Feb 2026)