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$46,610
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$48,060
−HK$1,473/mo
Today · 4.125%
HK$49,533
baseline
▲ 0.50% · 4.625%
HK$52,547
+HK$3,014/mo
Deposit HK$10.22M · loan HK$10.22M · min. income ≈ HK$99,066/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$794,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,853
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$53,244
−HK$1,411/mo
Today · 4.125%
HK$54,655
baseline
▲ 0.50% · 4.625%
HK$57,535
+HK$2,880/mo
Deposit HK$10.22M · loan HK$10.22M · min. income ≈ HK$109,310/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$794,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,932
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$57,672
−HK$1,767/mo
Today · 4.125%
HK$59,439
baseline
▲ 0.50% · 4.625%
HK$63,056
+HK$3,617/mo
Deposit HK$8.18M · loan HK$12.26M · min. income ≈ HK$118,878/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$794,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,224
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$63,892
−HK$1,693/mo
Today · 4.125%
HK$65,585
baseline
▲ 0.50% · 4.625%
HK$69,043
+HK$3,458/mo
Deposit HK$8.18M · loan HK$12.26M · min. income ≈ HK$131,170/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$794,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,254
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$67,284
−HK$2,062/mo
Today · 4.125%
HK$69,346
baseline
▲ 0.50% · 4.625%
HK$73,565
+HK$4,219/mo
Deposit HK$6.13M · loan HK$14.31M · min. income ≈ HK$138,692/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$794,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,594
−HK$3,922/mo
▼ 0.25% · 3.875%
HK$74,541
−HK$1,975/mo
Today · 4.125%
HK$76,516
baseline
▲ 0.50% · 4.625%
HK$80,550
+HK$4,034/mo
Deposit HK$6.13M · loan HK$14.31M · min. income ≈ HK$153,032/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$794,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,898
−HK$5,261/mo
▼ 0.25% · 3.875%
HK$86,508
−HK$2,651/mo
Today · 4.125%
HK$89,159
baseline
▲ 0.50% · 4.625%
HK$94,584
+HK$5,425/mo
Deposit HK$2.04M · loan HK$18.40M · min. income ≈ HK$178,318/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$794,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,336
−HK$5,042/mo
▼ 0.25% · 3.875%
HK$95,839
−HK$2,539/mo
Today · 4.125%
HK$98,378
baseline
▲ 0.50% · 4.625%
HK$103,564
+HK$5,186/mo
Deposit HK$2.04M · loan HK$18.40M · min. income ≈ HK$196,756/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$794,065 · Scale 2, in force from 26 Feb 2026)