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$47,611
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$49,092
−HK$1,504/mo
Today · 4.125%
HK$50,596
baseline
▲ 0.50% · 4.625%
HK$53,675
+HK$3,079/mo
Deposit HK$10.44M · loan HK$10.44M · min. income ≈ HK$101,192/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$837,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,966
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$54,387
−HK$1,441/mo
Today · 4.125%
HK$55,828
baseline
▲ 0.50% · 4.625%
HK$58,771
+HK$2,943/mo
Deposit HK$10.44M · loan HK$10.44M · min. income ≈ HK$111,656/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$837,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,133
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$58,910
−HK$1,805/mo
Today · 4.125%
HK$60,715
baseline
▲ 0.50% · 4.625%
HK$64,410
+HK$3,695/mo
Deposit HK$8.35M · loan HK$12.53M · min. income ≈ HK$121,430/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$837,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,560
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$65,264
−HK$1,729/mo
Today · 4.125%
HK$66,993
baseline
▲ 0.50% · 4.625%
HK$70,525
+HK$3,532/mo
Deposit HK$8.35M · loan HK$12.53M · min. income ≈ HK$133,986/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$837,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,655
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$68,728
−HK$2,107/mo
Today · 4.125%
HK$70,835
baseline
▲ 0.50% · 4.625%
HK$75,145
+HK$4,310/mo
Deposit HK$6.26M · loan HK$14.62M · min. income ≈ HK$141,670/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$837,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,153
−HK$4,006/mo
▼ 0.25% · 3.875%
HK$76,142
−HK$2,017/mo
Today · 4.125%
HK$78,159
baseline
▲ 0.50% · 4.625%
HK$82,279
+HK$4,120/mo
Deposit HK$6.26M · loan HK$14.62M · min. income ≈ HK$156,318/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$837,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,699
−HK$5,374/mo
▼ 0.25% · 3.875%
HK$88,365
−HK$2,708/mo
Today · 4.125%
HK$91,073
baseline
▲ 0.50% · 4.625%
HK$96,615
+HK$5,542/mo
Deposit HK$2.09M · loan HK$18.79M · min. income ≈ HK$182,146/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$837,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,339
−HK$5,151/mo
▼ 0.25% · 3.875%
HK$97,896
−HK$2,594/mo
Today · 4.125%
HK$100,490
baseline
▲ 0.50% · 4.625%
HK$105,787
+HK$5,297/mo
Deposit HK$2.09M · loan HK$18.79M · min. income ≈ HK$200,980/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$837,950 · Scale 2, in force from 26 Feb 2026)