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$47,042
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$48,505
−HK$1,487/mo
Today · 4.125%
HK$49,992
baseline
▲ 0.50% · 4.625%
HK$53,034
+HK$3,042/mo
Deposit HK$10.32M · loan HK$10.32M · min. income ≈ HK$99,984/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$813,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,334
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$53,737
−HK$1,424/mo
Today · 4.125%
HK$55,161
baseline
▲ 0.50% · 4.625%
HK$58,069
+HK$2,908/mo
Deposit HK$10.32M · loan HK$10.32M · min. income ≈ HK$110,322/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$813,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,450
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$58,206
−HK$1,784/mo
Today · 4.125%
HK$59,990
baseline
▲ 0.50% · 4.625%
HK$63,640
+HK$3,650/mo
Deposit HK$8.25M · loan HK$12.38M · min. income ≈ HK$119,980/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$813,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,800
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$64,485
−HK$1,708/mo
Today · 4.125%
HK$66,193
baseline
▲ 0.50% · 4.625%
HK$69,682
+HK$3,489/mo
Deposit HK$8.25M · loan HK$12.38M · min. income ≈ HK$132,386/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$813,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,859
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$67,907
−HK$2,081/mo
Today · 4.125%
HK$69,988
baseline
▲ 0.50% · 4.625%
HK$74,247
+HK$4,259/mo
Deposit HK$6.19M · loan HK$14.44M · min. income ≈ HK$139,976/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$813,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,267
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$75,232
−HK$1,993/mo
Today · 4.125%
HK$77,225
baseline
▲ 0.50% · 4.625%
HK$81,296
+HK$4,071/mo
Deposit HK$6.19M · loan HK$14.44M · min. income ≈ HK$154,450/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$813,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,675
−HK$5,310/mo
▼ 0.25% · 3.875%
HK$87,309
−HK$2,676/mo
Today · 4.125%
HK$89,985
baseline
▲ 0.50% · 4.625%
HK$95,461
+HK$5,476/mo
Deposit HK$2.06M · loan HK$18.57M · min. income ≈ HK$179,970/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$813,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,200
−HK$5,090/mo
▼ 0.25% · 3.875%
HK$96,727
−HK$2,563/mo
Today · 4.125%
HK$99,290
baseline
▲ 0.50% · 4.625%
HK$104,523
+HK$5,233/mo
Deposit HK$2.06M · loan HK$18.57M · min. income ≈ HK$198,580/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$813,006 · Scale 2, in force from 26 Feb 2026)