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$46,963
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$48,424
−HK$1,484/mo
Today · 4.125%
HK$49,908
baseline
▲ 0.50% · 4.625%
HK$52,945
+HK$3,037/mo
Deposit HK$10.30M · loan HK$10.30M · min. income ≈ HK$99,816/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$809,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,246
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$53,647
−HK$1,422/mo
Today · 4.125%
HK$55,069
baseline
▲ 0.50% · 4.625%
HK$57,972
+HK$2,903/mo
Deposit HK$10.30M · loan HK$10.30M · min. income ≈ HK$110,138/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$809,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,356
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$58,109
−HK$1,781/mo
Today · 4.125%
HK$59,890
baseline
▲ 0.50% · 4.625%
HK$63,534
+HK$3,644/mo
Deposit HK$8.24M · loan HK$12.36M · min. income ≈ HK$119,780/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$809,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,695
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$64,377
−HK$1,706/mo
Today · 4.125%
HK$66,083
baseline
▲ 0.50% · 4.625%
HK$69,566
+HK$3,483/mo
Deposit HK$8.24M · loan HK$12.36M · min. income ≈ HK$132,166/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$809,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,748
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$67,794
−HK$2,077/mo
Today · 4.125%
HK$69,871
baseline
▲ 0.50% · 4.625%
HK$74,123
+HK$4,252/mo
Deposit HK$6.18M · loan HK$14.42M · min. income ≈ HK$139,742/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$809,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,144
−HK$3,952/mo
▼ 0.25% · 3.875%
HK$75,106
−HK$1,990/mo
Today · 4.125%
HK$77,096
baseline
▲ 0.50% · 4.625%
HK$81,160
+HK$4,064/mo
Deposit HK$6.18M · loan HK$14.42M · min. income ≈ HK$154,192/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$809,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,534
−HK$5,301/mo
▼ 0.25% · 3.875%
HK$87,163
−HK$2,672/mo
Today · 4.125%
HK$89,835
baseline
▲ 0.50% · 4.625%
HK$95,301
+HK$5,466/mo
Deposit HK$2.06M · loan HK$18.54M · min. income ≈ HK$179,670/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$809,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,043
−HK$5,081/mo
▼ 0.25% · 3.875%
HK$96,565
−HK$2,559/mo
Today · 4.125%
HK$99,124
baseline
▲ 0.50% · 4.625%
HK$104,349
+HK$5,225/mo
Deposit HK$2.06M · loan HK$18.54M · min. income ≈ HK$198,248/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$809,557 · Scale 2, in force from 26 Feb 2026)