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$47,070
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$48,534
−HK$1,488/mo
Today · 4.125%
HK$50,022
baseline
▲ 0.50% · 4.625%
HK$53,066
+HK$3,044/mo
Deposit HK$10.32M · loan HK$10.32M · min. income ≈ HK$100,044/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$814,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,365
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$53,770
−HK$1,424/mo
Today · 4.125%
HK$55,194
baseline
▲ 0.50% · 4.625%
HK$58,104
+HK$2,910/mo
Deposit HK$10.32M · loan HK$10.32M · min. income ≈ HK$110,388/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$814,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,484
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$58,241
−HK$1,785/mo
Today · 4.125%
HK$60,026
baseline
▲ 0.50% · 4.625%
HK$63,679
+HK$3,653/mo
Deposit HK$8.26M · loan HK$12.39M · min. income ≈ HK$120,052/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$814,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,838
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$64,524
−HK$1,709/mo
Today · 4.125%
HK$66,233
baseline
▲ 0.50% · 4.625%
HK$69,724
+HK$3,491/mo
Deposit HK$8.26M · loan HK$12.39M · min. income ≈ HK$132,466/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$814,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,898
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$67,948
−HK$2,083/mo
Today · 4.125%
HK$70,031
baseline
▲ 0.50% · 4.625%
HK$74,292
+HK$4,261/mo
Deposit HK$6.19M · loan HK$14.45M · min. income ≈ HK$140,062/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$814,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,311
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$75,277
−HK$1,995/mo
Today · 4.125%
HK$77,272
baseline
▲ 0.50% · 4.625%
HK$81,345
+HK$4,073/mo
Deposit HK$6.19M · loan HK$14.45M · min. income ≈ HK$154,544/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$814,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,727
−HK$5,313/mo
▼ 0.25% · 3.875%
HK$87,362
−HK$2,678/mo
Today · 4.125%
HK$90,040
baseline
▲ 0.50% · 4.625%
HK$95,518
+HK$5,478/mo
Deposit HK$2.06M · loan HK$18.58M · min. income ≈ HK$180,080/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$814,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,257
−HK$5,093/mo
▼ 0.25% · 3.875%
HK$96,785
−HK$2,565/mo
Today · 4.125%
HK$99,350
baseline
▲ 0.50% · 4.625%
HK$104,587
+HK$5,237/mo
Deposit HK$2.06M · loan HK$18.58M · min. income ≈ HK$198,700/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$814,255 · Scale 2, in force from 26 Feb 2026)