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$47,492
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$48,969
−HK$1,501/mo
Today · 4.125%
HK$50,470
baseline
▲ 0.50% · 4.625%
HK$53,541
+HK$3,071/mo
Deposit HK$10.41M · loan HK$10.41M · min. income ≈ HK$100,940/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$832,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,834
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$54,251
−HK$1,438/mo
Today · 4.125%
HK$55,689
baseline
▲ 0.50% · 4.625%
HK$58,624
+HK$2,935/mo
Deposit HK$10.41M · loan HK$10.41M · min. income ≈ HK$111,378/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$832,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,990
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$58,763
−HK$1,801/mo
Today · 4.125%
HK$60,564
baseline
▲ 0.50% · 4.625%
HK$64,249
+HK$3,685/mo
Deposit HK$8.33M · loan HK$12.50M · min. income ≈ HK$121,128/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$832,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,401
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$65,101
−HK$1,725/mo
Today · 4.125%
HK$66,826
baseline
▲ 0.50% · 4.625%
HK$70,349
+HK$3,523/mo
Deposit HK$8.33M · loan HK$12.50M · min. income ≈ HK$133,652/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$832,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,489
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$68,557
−HK$2,101/mo
Today · 4.125%
HK$70,658
baseline
▲ 0.50% · 4.625%
HK$74,957
+HK$4,299/mo
Deposit HK$6.25M · loan HK$14.58M · min. income ≈ HK$141,316/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$832,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,968
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$75,952
−HK$2,012/mo
Today · 4.125%
HK$77,964
baseline
▲ 0.50% · 4.625%
HK$82,074
+HK$4,110/mo
Deposit HK$6.25M · loan HK$14.58M · min. income ≈ HK$155,928/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$832,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,485
−HK$5,361/mo
▼ 0.25% · 3.875%
HK$88,144
−HK$2,702/mo
Today · 4.125%
HK$90,846
baseline
▲ 0.50% · 4.625%
HK$96,374
+HK$5,528/mo
Deposit HK$2.08M · loan HK$18.74M · min. income ≈ HK$181,692/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$832,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,102
−HK$5,138/mo
▼ 0.25% · 3.875%
HK$97,652
−HK$2,588/mo
Today · 4.125%
HK$100,240
baseline
▲ 0.50% · 4.625%
HK$105,523
+HK$5,283/mo
Deposit HK$2.08M · loan HK$18.74M · min. income ≈ HK$200,480/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$832,741 · Scale 2, in force from 26 Feb 2026)