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$47,416
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$48,891
−HK$1,498/mo
Today · 4.125%
HK$50,389
baseline
▲ 0.50% · 4.625%
HK$53,456
+HK$3,067/mo
Deposit HK$10.40M · loan HK$10.40M · min. income ≈ HK$100,778/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$829,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,750
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$54,165
−HK$1,435/mo
Today · 4.125%
HK$55,600
baseline
▲ 0.50% · 4.625%
HK$58,531
+HK$2,931/mo
Deposit HK$10.40M · loan HK$10.40M · min. income ≈ HK$111,200/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$829,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,899
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$58,669
−HK$1,798/mo
Today · 4.125%
HK$60,467
baseline
▲ 0.50% · 4.625%
HK$64,147
+HK$3,680/mo
Deposit HK$8.32M · loan HK$12.48M · min. income ≈ HK$120,934/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$829,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,300
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$64,998
−HK$1,722/mo
Today · 4.125%
HK$66,720
baseline
▲ 0.50% · 4.625%
HK$70,237
+HK$3,517/mo
Deposit HK$8.32M · loan HK$12.48M · min. income ≈ HK$133,440/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$829,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,383
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$68,447
−HK$2,098/mo
Today · 4.125%
HK$70,545
baseline
▲ 0.50% · 4.625%
HK$74,838
+HK$4,293/mo
Deposit HK$6.24M · loan HK$14.56M · min. income ≈ HK$141,090/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$829,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,850
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$75,831
−HK$2,009/mo
Today · 4.125%
HK$77,840
baseline
▲ 0.50% · 4.625%
HK$81,943
+HK$4,103/mo
Deposit HK$6.24M · loan HK$14.56M · min. income ≈ HK$155,680/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$829,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,349
−HK$5,352/mo
▼ 0.25% · 3.875%
HK$88,004
−HK$2,697/mo
Today · 4.125%
HK$90,701
baseline
▲ 0.50% · 4.625%
HK$96,220
+HK$5,519/mo
Deposit HK$2.08M · loan HK$18.71M · min. income ≈ HK$181,402/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$829,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,950
−HK$5,130/mo
▼ 0.25% · 3.875%
HK$97,496
−HK$2,584/mo
Today · 4.125%
HK$100,080
baseline
▲ 0.50% · 4.625%
HK$105,355
+HK$5,275/mo
Deposit HK$2.08M · loan HK$18.71M · min. income ≈ HK$200,160/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$829,419 · Scale 2, in force from 26 Feb 2026)