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$47,355
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$48,828
−HK$1,497/mo
Today · 4.125%
HK$50,325
baseline
▲ 0.50% · 4.625%
HK$53,387
+HK$3,062/mo
Deposit HK$10.38M · loan HK$10.38M · min. income ≈ HK$100,650/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$826,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,682
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$54,095
−HK$1,434/mo
Today · 4.125%
HK$55,529
baseline
▲ 0.50% · 4.625%
HK$58,456
+HK$2,927/mo
Deposit HK$10.38M · loan HK$10.38M · min. income ≈ HK$111,058/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$826,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,826
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$58,594
−HK$1,796/mo
Today · 4.125%
HK$60,390
baseline
▲ 0.50% · 4.625%
HK$64,065
+HK$3,675/mo
Deposit HK$8.31M · loan HK$12.46M · min. income ≈ HK$120,780/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$826,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,219
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$64,914
−HK$1,720/mo
Today · 4.125%
HK$66,634
baseline
▲ 0.50% · 4.625%
HK$70,147
+HK$3,513/mo
Deposit HK$8.31M · loan HK$12.46M · min. income ≈ HK$133,268/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$826,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,298
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$68,360
−HK$2,095/mo
Today · 4.125%
HK$70,455
baseline
▲ 0.50% · 4.625%
HK$74,742
+HK$4,287/mo
Deposit HK$6.23M · loan HK$14.54M · min. income ≈ HK$140,910/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$826,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,755
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$75,733
−HK$2,007/mo
Today · 4.125%
HK$77,740
baseline
▲ 0.50% · 4.625%
HK$81,838
+HK$4,098/mo
Deposit HK$6.23M · loan HK$14.54M · min. income ≈ HK$155,480/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$826,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,240
−HK$5,345/mo
▼ 0.25% · 3.875%
HK$87,891
−HK$2,694/mo
Today · 4.125%
HK$90,585
baseline
▲ 0.50% · 4.625%
HK$96,097
+HK$5,512/mo
Deposit HK$2.08M · loan HK$18.69M · min. income ≈ HK$181,170/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$826,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,828
−HK$5,124/mo
▼ 0.25% · 3.875%
HK$97,372
−HK$2,580/mo
Today · 4.125%
HK$99,952
baseline
▲ 0.50% · 4.625%
HK$105,220
+HK$5,268/mo
Deposit HK$2.08M · loan HK$18.69M · min. income ≈ HK$199,904/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$826,757 · Scale 2, in force from 26 Feb 2026)