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$47,341
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$48,814
−HK$1,496/mo
Today · 4.125%
HK$50,310
baseline
▲ 0.50% · 4.625%
HK$53,371
+HK$3,061/mo
Deposit HK$10.38M · loan HK$10.38M · min. income ≈ HK$100,620/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$826,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,667
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$54,079
−HK$1,433/mo
Today · 4.125%
HK$55,512
baseline
▲ 0.50% · 4.625%
HK$58,438
+HK$2,926/mo
Deposit HK$10.38M · loan HK$10.38M · min. income ≈ HK$111,024/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$826,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,809
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$58,577
−HK$1,795/mo
Today · 4.125%
HK$60,372
baseline
▲ 0.50% · 4.625%
HK$64,045
+HK$3,673/mo
Deposit HK$8.30M · loan HK$12.46M · min. income ≈ HK$120,744/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$826,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,200
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$64,895
−HK$1,719/mo
Today · 4.125%
HK$66,614
baseline
▲ 0.50% · 4.625%
HK$70,126
+HK$3,512/mo
Deposit HK$8.30M · loan HK$12.46M · min. income ≈ HK$133,228/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$826,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,278
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$68,339
−HK$2,095/mo
Today · 4.125%
HK$70,434
baseline
▲ 0.50% · 4.625%
HK$74,720
+HK$4,286/mo
Deposit HK$6.23M · loan HK$14.53M · min. income ≈ HK$140,868/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$826,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,733
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$75,711
−HK$2,006/mo
Today · 4.125%
HK$77,717
baseline
▲ 0.50% · 4.625%
HK$81,813
+HK$4,096/mo
Deposit HK$6.23M · loan HK$14.53M · min. income ≈ HK$155,434/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$826,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,214
−HK$5,344/mo
▼ 0.25% · 3.875%
HK$87,865
−HK$2,693/mo
Today · 4.125%
HK$90,558
baseline
▲ 0.50% · 4.625%
HK$96,068
+HK$5,510/mo
Deposit HK$2.08M · loan HK$18.69M · min. income ≈ HK$181,116/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$826,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,800
−HK$5,122/mo
▼ 0.25% · 3.875%
HK$97,342
−HK$2,580/mo
Today · 4.125%
HK$99,922
baseline
▲ 0.50% · 4.625%
HK$105,189
+HK$5,267/mo
Deposit HK$2.08M · loan HK$18.69M · min. income ≈ HK$199,844/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$826,135 · Scale 2, in force from 26 Feb 2026)