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$47,132
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$48,598
−HK$1,489/mo
Today · 4.125%
HK$50,087
baseline
▲ 0.50% · 4.625%
HK$53,135
+HK$3,048/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$100,174/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$816,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,433
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$53,840
−HK$1,426/mo
Today · 4.125%
HK$55,266
baseline
▲ 0.50% · 4.625%
HK$58,179
+HK$2,913/mo
Deposit HK$10.33M · loan HK$10.33M · min. income ≈ HK$110,532/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$816,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,558
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$58,317
−HK$1,788/mo
Today · 4.125%
HK$60,105
baseline
▲ 0.50% · 4.625%
HK$63,762
+HK$3,657/mo
Deposit HK$8.27M · loan HK$12.40M · min. income ≈ HK$120,210/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$816,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,920
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$64,608
−HK$1,711/mo
Today · 4.125%
HK$66,319
baseline
▲ 0.50% · 4.625%
HK$69,815
+HK$3,496/mo
Deposit HK$8.27M · loan HK$12.40M · min. income ≈ HK$132,638/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$816,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,984
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$68,037
−HK$2,085/mo
Today · 4.125%
HK$70,122
baseline
▲ 0.50% · 4.625%
HK$74,389
+HK$4,267/mo
Deposit HK$6.20M · loan HK$14.47M · min. income ≈ HK$140,244/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$816,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,407
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$75,375
−HK$1,998/mo
Today · 4.125%
HK$77,373
baseline
▲ 0.50% · 4.625%
HK$81,451
+HK$4,078/mo
Deposit HK$6.20M · loan HK$14.47M · min. income ≈ HK$154,746/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$816,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,837
−HK$5,320/mo
▼ 0.25% · 3.875%
HK$87,476
−HK$2,681/mo
Today · 4.125%
HK$90,157
baseline
▲ 0.50% · 4.625%
HK$95,643
+HK$5,486/mo
Deposit HK$2.07M · loan HK$18.60M · min. income ≈ HK$180,314/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$816,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,380
−HK$5,099/mo
▼ 0.25% · 3.875%
HK$96,911
−HK$2,568/mo
Today · 4.125%
HK$99,479
baseline
▲ 0.50% · 4.625%
HK$104,723
+HK$5,244/mo
Deposit HK$2.07M · loan HK$18.60M · min. income ≈ HK$198,958/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$816,942 · Scale 2, in force from 26 Feb 2026)