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$47,179
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$48,647
−HK$1,491/mo
Today · 4.125%
HK$50,138
baseline
▲ 0.50% · 4.625%
HK$53,189
+HK$3,051/mo
Deposit HK$10.35M · loan HK$10.35M · min. income ≈ HK$100,276/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$819,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,487
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$53,894
−HK$1,428/mo
Today · 4.125%
HK$55,322
baseline
▲ 0.50% · 4.625%
HK$58,238
+HK$2,916/mo
Deposit HK$10.35M · loan HK$10.35M · min. income ≈ HK$110,644/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$819,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,615
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$58,376
−HK$1,789/mo
Today · 4.125%
HK$60,165
baseline
▲ 0.50% · 4.625%
HK$63,826
+HK$3,661/mo
Deposit HK$8.28M · loan HK$12.41M · min. income ≈ HK$120,330/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$819,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,984
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$64,673
−HK$1,714/mo
Today · 4.125%
HK$66,387
baseline
▲ 0.50% · 4.625%
HK$69,886
+HK$3,499/mo
Deposit HK$8.28M · loan HK$12.41M · min. income ≈ HK$132,774/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$819,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,051
−HK$4,142/mo
▼ 0.25% · 3.875%
HK$68,106
−HK$2,087/mo
Today · 4.125%
HK$70,193
baseline
▲ 0.50% · 4.625%
HK$74,464
+HK$4,271/mo
Deposit HK$6.21M · loan HK$14.48M · min. income ≈ HK$140,386/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$819,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,481
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$75,452
−HK$1,999/mo
Today · 4.125%
HK$77,451
baseline
▲ 0.50% · 4.625%
HK$81,534
+HK$4,083/mo
Deposit HK$6.21M · loan HK$14.48M · min. income ≈ HK$154,902/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$819,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,923
−HK$5,325/mo
▼ 0.25% · 3.875%
HK$87,564
−HK$2,684/mo
Today · 4.125%
HK$90,248
baseline
▲ 0.50% · 4.625%
HK$95,740
+HK$5,492/mo
Deposit HK$2.07M · loan HK$18.62M · min. income ≈ HK$180,496/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$819,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,476
−HK$5,104/mo
▼ 0.25% · 3.875%
HK$97,010
−HK$2,570/mo
Today · 4.125%
HK$99,580
baseline
▲ 0.50% · 4.625%
HK$104,829
+HK$5,249/mo
Deposit HK$2.07M · loan HK$18.62M · min. income ≈ HK$199,160/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$819,037 · Scale 2, in force from 26 Feb 2026)