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$46,815
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$48,272
−HK$1,479/mo
Today · 4.125%
HK$49,751
baseline
▲ 0.50% · 4.625%
HK$52,778
+HK$3,027/mo
Deposit HK$10.27M · loan HK$10.27M · min. income ≈ HK$99,502/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$803,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,082
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$53,478
−HK$1,417/mo
Today · 4.125%
HK$54,895
baseline
▲ 0.50% · 4.625%
HK$57,789
+HK$2,894/mo
Deposit HK$10.27M · loan HK$10.27M · min. income ≈ HK$109,790/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$803,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,178
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$57,926
−HK$1,775/mo
Today · 4.125%
HK$59,701
baseline
▲ 0.50% · 4.625%
HK$63,334
+HK$3,633/mo
Deposit HK$8.21M · loan HK$12.32M · min. income ≈ HK$119,402/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$803,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,498
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$64,174
−HK$1,701/mo
Today · 4.125%
HK$65,875
baseline
▲ 0.50% · 4.625%
HK$69,347
+HK$3,472/mo
Deposit HK$8.21M · loan HK$12.32M · min. income ≈ HK$131,750/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$803,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,542
−HK$4,110/mo
▼ 0.25% · 3.875%
HK$67,580
−HK$2,072/mo
Today · 4.125%
HK$69,652
baseline
▲ 0.50% · 4.625%
HK$73,890
+HK$4,238/mo
Deposit HK$6.16M · loan HK$14.37M · min. income ≈ HK$139,304/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$803,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,914
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$74,870
−HK$1,984/mo
Today · 4.125%
HK$76,854
baseline
▲ 0.50% · 4.625%
HK$80,905
+HK$4,051/mo
Deposit HK$6.16M · loan HK$14.37M · min. income ≈ HK$153,708/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$803,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,268
−HK$5,284/mo
▼ 0.25% · 3.875%
HK$86,889
−HK$2,663/mo
Today · 4.125%
HK$89,552
baseline
▲ 0.50% · 4.625%
HK$95,001
+HK$5,449/mo
Deposit HK$2.05M · loan HK$18.48M · min. income ≈ HK$179,104/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$803,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,747
−HK$5,065/mo
▼ 0.25% · 3.875%
HK$96,261
−HK$2,551/mo
Today · 4.125%
HK$98,812
baseline
▲ 0.50% · 4.625%
HK$104,020
+HK$5,208/mo
Deposit HK$2.05M · loan HK$18.48M · min. income ≈ HK$197,624/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$803,076 · Scale 2, in force from 26 Feb 2026)