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$46,693
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$48,146
−HK$1,475/mo
Today · 4.125%
HK$49,621
baseline
▲ 0.50% · 4.625%
HK$52,641
+HK$3,020/mo
Deposit HK$10.24M · loan HK$10.24M · min. income ≈ HK$99,242/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$797,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,946
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$53,339
−HK$1,413/mo
Today · 4.125%
HK$54,752
baseline
▲ 0.50% · 4.625%
HK$57,638
+HK$2,886/mo
Deposit HK$10.24M · loan HK$10.24M · min. income ≈ HK$109,504/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$797,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,032
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$57,775
−HK$1,771/mo
Today · 4.125%
HK$59,546
baseline
▲ 0.50% · 4.625%
HK$63,169
+HK$3,623/mo
Deposit HK$8.19M · loan HK$12.29M · min. income ≈ HK$119,092/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$797,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,335
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$64,007
−HK$1,696/mo
Today · 4.125%
HK$65,703
baseline
▲ 0.50% · 4.625%
HK$69,166
+HK$3,463/mo
Deposit HK$8.19M · loan HK$12.29M · min. income ≈ HK$131,406/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$797,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,371
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$67,404
−HK$2,066/mo
Today · 4.125%
HK$69,470
baseline
▲ 0.50% · 4.625%
HK$73,697
+HK$4,227/mo
Deposit HK$6.14M · loan HK$14.33M · min. income ≈ HK$138,940/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$797,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,724
−HK$3,929/mo
▼ 0.25% · 3.875%
HK$74,675
−HK$1,978/mo
Today · 4.125%
HK$76,653
baseline
▲ 0.50% · 4.625%
HK$80,694
+HK$4,041/mo
Deposit HK$6.14M · loan HK$14.33M · min. income ≈ HK$153,306/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$797,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,048
−HK$5,271/mo
▼ 0.25% · 3.875%
HK$86,662
−HK$2,657/mo
Today · 4.125%
HK$89,319
baseline
▲ 0.50% · 4.625%
HK$94,753
+HK$5,434/mo
Deposit HK$2.05M · loan HK$18.43M · min. income ≈ HK$178,638/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$797,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,503
−HK$5,051/mo
▼ 0.25% · 3.875%
HK$96,010
−HK$2,544/mo
Today · 4.125%
HK$98,554
baseline
▲ 0.50% · 4.625%
HK$103,749
+HK$5,195/mo
Deposit HK$2.05M · loan HK$18.43M · min. income ≈ HK$197,108/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$797,725 · Scale 2, in force from 26 Feb 2026)