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$46,859
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$48,316
−HK$1,481/mo
Today · 4.125%
HK$49,797
baseline
▲ 0.50% · 4.625%
HK$52,827
+HK$3,030/mo
Deposit HK$10.27M · loan HK$10.27M · min. income ≈ HK$99,594/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$804,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,130
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$53,528
−HK$1,418/mo
Today · 4.125%
HK$54,946
baseline
▲ 0.50% · 4.625%
HK$57,842
+HK$2,896/mo
Deposit HK$10.27M · loan HK$10.27M · min. income ≈ HK$109,892/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$804,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,230
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$57,979
−HK$1,777/mo
Today · 4.125%
HK$59,756
baseline
▲ 0.50% · 4.625%
HK$63,392
+HK$3,636/mo
Deposit HK$8.22M · loan HK$12.33M · min. income ≈ HK$119,512/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$804,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,556
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$64,233
−HK$1,702/mo
Today · 4.125%
HK$65,935
baseline
▲ 0.50% · 4.625%
HK$69,411
+HK$3,476/mo
Deposit HK$8.22M · loan HK$12.33M · min. income ≈ HK$131,870/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$804,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,602
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$67,643
−HK$2,073/mo
Today · 4.125%
HK$69,716
baseline
▲ 0.50% · 4.625%
HK$73,958
+HK$4,242/mo
Deposit HK$6.16M · loan HK$14.38M · min. income ≈ HK$139,432/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$804,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,981
−HK$3,943/mo
▼ 0.25% · 3.875%
HK$74,939
−HK$1,985/mo
Today · 4.125%
HK$76,924
baseline
▲ 0.50% · 4.625%
HK$80,979
+HK$4,055/mo
Deposit HK$6.16M · loan HK$14.38M · min. income ≈ HK$153,848/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$804,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,345
−HK$5,290/mo
▼ 0.25% · 3.875%
HK$86,969
−HK$2,666/mo
Today · 4.125%
HK$89,635
baseline
▲ 0.50% · 4.625%
HK$95,089
+HK$5,454/mo
Deposit HK$2.05M · loan HK$18.49M · min. income ≈ HK$179,270/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$804,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,833
−HK$5,070/mo
▼ 0.25% · 3.875%
HK$96,350
−HK$2,553/mo
Today · 4.125%
HK$98,903
baseline
▲ 0.50% · 4.625%
HK$104,116
+HK$5,213/mo
Deposit HK$2.05M · loan HK$18.49M · min. income ≈ HK$197,806/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$804,968 · Scale 2, in force from 26 Feb 2026)