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$47,406
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$48,881
−HK$1,498/mo
Today · 4.125%
HK$50,379
baseline
▲ 0.50% · 4.625%
HK$53,444
+HK$3,065/mo
Deposit HK$10.39M · loan HK$10.39M · min. income ≈ HK$100,758/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$828,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,739
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$54,153
−HK$1,435/mo
Today · 4.125%
HK$55,588
baseline
▲ 0.50% · 4.625%
HK$58,518
+HK$2,930/mo
Deposit HK$10.39M · loan HK$10.39M · min. income ≈ HK$111,176/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$828,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,887
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$58,657
−HK$1,798/mo
Today · 4.125%
HK$60,455
baseline
▲ 0.50% · 4.625%
HK$64,133
+HK$3,678/mo
Deposit HK$8.32M · loan HK$12.47M · min. income ≈ HK$120,910/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$828,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,287
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$64,984
−HK$1,722/mo
Today · 4.125%
HK$66,706
baseline
▲ 0.50% · 4.625%
HK$70,222
+HK$3,516/mo
Deposit HK$8.32M · loan HK$12.47M · min. income ≈ HK$133,412/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$828,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,369
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$68,433
−HK$2,097/mo
Today · 4.125%
HK$70,530
baseline
▲ 0.50% · 4.625%
HK$74,822
+HK$4,292/mo
Deposit HK$6.24M · loan HK$14.55M · min. income ≈ HK$141,060/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$828,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,834
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$75,814
−HK$2,009/mo
Today · 4.125%
HK$77,823
baseline
▲ 0.50% · 4.625%
HK$81,926
+HK$4,103/mo
Deposit HK$6.24M · loan HK$14.55M · min. income ≈ HK$155,646/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$828,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,331
−HK$5,351/mo
▼ 0.25% · 3.875%
HK$87,985
−HK$2,697/mo
Today · 4.125%
HK$90,682
baseline
▲ 0.50% · 4.625%
HK$96,200
+HK$5,518/mo
Deposit HK$2.08M · loan HK$18.71M · min. income ≈ HK$181,364/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$828,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,930
−HK$5,129/mo
▼ 0.25% · 3.875%
HK$97,476
−HK$2,583/mo
Today · 4.125%
HK$100,059
baseline
▲ 0.50% · 4.625%
HK$105,333
+HK$5,274/mo
Deposit HK$2.08M · loan HK$18.71M · min. income ≈ HK$200,118/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$828,980 · Scale 2, in force from 26 Feb 2026)