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$47,196
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$48,664
−HK$1,492/mo
Today · 4.125%
HK$50,156
baseline
▲ 0.50% · 4.625%
HK$53,208
+HK$3,052/mo
Deposit HK$10.35M · loan HK$10.35M · min. income ≈ HK$100,312/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$819,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,505
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$53,913
−HK$1,429/mo
Today · 4.125%
HK$55,342
baseline
▲ 0.50% · 4.625%
HK$58,259
+HK$2,917/mo
Deposit HK$10.35M · loan HK$10.35M · min. income ≈ HK$110,684/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$819,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,635
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$58,397
−HK$1,790/mo
Today · 4.125%
HK$60,187
baseline
▲ 0.50% · 4.625%
HK$63,849
+HK$3,662/mo
Deposit HK$8.28M · loan HK$12.42M · min. income ≈ HK$120,374/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$819,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,006
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$64,696
−HK$1,714/mo
Today · 4.125%
HK$66,410
baseline
▲ 0.50% · 4.625%
HK$69,911
+HK$3,501/mo
Deposit HK$8.28M · loan HK$12.42M · min. income ≈ HK$132,820/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$819,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,075
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$68,130
−HK$2,088/mo
Today · 4.125%
HK$70,218
baseline
▲ 0.50% · 4.625%
HK$74,491
+HK$4,273/mo
Deposit HK$6.21M · loan HK$14.49M · min. income ≈ HK$140,436/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$819,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,507
−HK$3,972/mo
▼ 0.25% · 3.875%
HK$75,479
−HK$2,000/mo
Today · 4.125%
HK$77,479
baseline
▲ 0.50% · 4.625%
HK$81,563
+HK$4,084/mo
Deposit HK$6.21M · loan HK$14.49M · min. income ≈ HK$154,958/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$819,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,953
−HK$5,327/mo
▼ 0.25% · 3.875%
HK$87,596
−HK$2,684/mo
Today · 4.125%
HK$90,280
baseline
▲ 0.50% · 4.625%
HK$95,774
+HK$5,494/mo
Deposit HK$2.07M · loan HK$18.63M · min. income ≈ HK$180,560/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$819,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,509
−HK$5,106/mo
▼ 0.25% · 3.875%
HK$97,044
−HK$2,571/mo
Today · 4.125%
HK$99,615
baseline
▲ 0.50% · 4.625%
HK$104,866
+HK$5,251/mo
Deposit HK$2.07M · loan HK$18.63M · min. income ≈ HK$199,230/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$819,774 · Scale 2, in force from 26 Feb 2026)