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$46,561
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$48,010
−HK$1,471/mo
Today · 4.125%
HK$49,481
baseline
▲ 0.50% · 4.625%
HK$52,492
+HK$3,011/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$98,962/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$791,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,799
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$53,188
−HK$1,409/mo
Today · 4.125%
HK$54,597
baseline
▲ 0.50% · 4.625%
HK$57,475
+HK$2,878/mo
Deposit HK$10.21M · loan HK$10.21M · min. income ≈ HK$109,194/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$791,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,873
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$57,611
−HK$1,766/mo
Today · 4.125%
HK$59,377
baseline
▲ 0.50% · 4.625%
HK$62,990
+HK$3,613/mo
Deposit HK$8.17M · loan HK$12.25M · min. income ≈ HK$118,754/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$791,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,159
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$63,826
−HK$1,691/mo
Today · 4.125%
HK$65,517
baseline
▲ 0.50% · 4.625%
HK$68,970
+HK$3,453/mo
Deposit HK$8.17M · loan HK$12.25M · min. income ≈ HK$131,034/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$791,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,186
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$67,213
−HK$2,060/mo
Today · 4.125%
HK$69,273
baseline
▲ 0.50% · 4.625%
HK$73,489
+HK$4,216/mo
Deposit HK$6.13M · loan HK$14.29M · min. income ≈ HK$138,546/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$791,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,518
−HK$3,918/mo
▼ 0.25% · 3.875%
HK$74,463
−HK$1,973/mo
Today · 4.125%
HK$76,436
baseline
▲ 0.50% · 4.625%
HK$80,465
+HK$4,029/mo
Deposit HK$6.13M · loan HK$14.29M · min. income ≈ HK$152,872/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$791,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,810
−HK$5,256/mo
▼ 0.25% · 3.875%
HK$86,417
−HK$2,649/mo
Today · 4.125%
HK$89,066
baseline
▲ 0.50% · 4.625%
HK$94,485
+HK$5,419/mo
Deposit HK$2.04M · loan HK$18.38M · min. income ≈ HK$178,132/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$791,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,238
−HK$5,037/mo
▼ 0.25% · 3.875%
HK$95,739
−HK$2,536/mo
Today · 4.125%
HK$98,275
baseline
▲ 0.50% · 4.625%
HK$103,456
+HK$5,181/mo
Deposit HK$2.04M · loan HK$18.38M · min. income ≈ HK$196,550/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$791,929 · Scale 2, in force from 26 Feb 2026)