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$47,240
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$48,709
−HK$1,493/mo
Today · 4.125%
HK$50,202
baseline
▲ 0.50% · 4.625%
HK$53,257
+HK$3,055/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$100,404/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$821,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,554
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$53,963
−HK$1,430/mo
Today · 4.125%
HK$55,393
baseline
▲ 0.50% · 4.625%
HK$58,313
+HK$2,920/mo
Deposit HK$10.36M · loan HK$10.36M · min. income ≈ HK$110,786/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$821,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,688
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$58,451
−HK$1,792/mo
Today · 4.125%
HK$60,243
baseline
▲ 0.50% · 4.625%
HK$63,908
+HK$3,665/mo
Deposit HK$8.29M · loan HK$12.43M · min. income ≈ HK$120,486/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$821,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,065
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$64,756
−HK$1,716/mo
Today · 4.125%
HK$66,472
baseline
▲ 0.50% · 4.625%
HK$69,976
+HK$3,504/mo
Deposit HK$8.29M · loan HK$12.43M · min. income ≈ HK$132,944/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$821,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,136
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$68,193
−HK$2,090/mo
Today · 4.125%
HK$70,283
baseline
▲ 0.50% · 4.625%
HK$74,560
+HK$4,277/mo
Deposit HK$6.22M · loan HK$14.50M · min. income ≈ HK$140,566/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$821,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,575
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$75,549
−HK$2,002/mo
Today · 4.125%
HK$77,551
baseline
▲ 0.50% · 4.625%
HK$81,638
+HK$4,087/mo
Deposit HK$6.22M · loan HK$14.50M · min. income ≈ HK$155,102/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$821,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,032
−HK$5,332/mo
▼ 0.25% · 3.875%
HK$87,677
−HK$2,687/mo
Today · 4.125%
HK$90,364
baseline
▲ 0.50% · 4.625%
HK$95,862
+HK$5,498/mo
Deposit HK$2.07M · loan HK$18.65M · min. income ≈ HK$180,728/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$821,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,597
−HK$5,111/mo
▼ 0.25% · 3.875%
HK$97,134
−HK$2,574/mo
Today · 4.125%
HK$99,708
baseline
▲ 0.50% · 4.625%
HK$104,964
+HK$5,256/mo
Deposit HK$2.07M · loan HK$18.65M · min. income ≈ HK$199,416/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$821,693 · Scale 2, in force from 26 Feb 2026)