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$47,140
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$48,606
−HK$1,490/mo
Today · 4.125%
HK$50,096
baseline
▲ 0.50% · 4.625%
HK$53,144
+HK$3,048/mo
Deposit HK$10.34M · loan HK$10.34M · min. income ≈ HK$100,192/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$817,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,443
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$53,849
−HK$1,427/mo
Today · 4.125%
HK$55,276
baseline
▲ 0.50% · 4.625%
HK$58,190
+HK$2,914/mo
Deposit HK$10.34M · loan HK$10.34M · min. income ≈ HK$110,552/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$817,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,568
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$58,328
−HK$1,787/mo
Today · 4.125%
HK$60,115
baseline
▲ 0.50% · 4.625%
HK$63,773
+HK$3,658/mo
Deposit HK$8.27M · loan HK$12.40M · min. income ≈ HK$120,230/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$817,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,931
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$64,619
−HK$1,712/mo
Today · 4.125%
HK$66,331
baseline
▲ 0.50% · 4.625%
HK$69,828
+HK$3,497/mo
Deposit HK$8.27M · loan HK$12.40M · min. income ≈ HK$132,662/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$817,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,996
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$68,049
−HK$2,086/mo
Today · 4.125%
HK$70,135
baseline
▲ 0.50% · 4.625%
HK$74,402
+HK$4,267/mo
Deposit HK$6.20M · loan HK$14.47M · min. income ≈ HK$140,270/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$817,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,420
−HK$3,967/mo
▼ 0.25% · 3.875%
HK$75,389
−HK$1,998/mo
Today · 4.125%
HK$77,387
baseline
▲ 0.50% · 4.625%
HK$81,466
+HK$4,079/mo
Deposit HK$6.20M · loan HK$14.47M · min. income ≈ HK$154,774/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$817,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,852
−HK$5,321/mo
▼ 0.25% · 3.875%
HK$87,491
−HK$2,682/mo
Today · 4.125%
HK$90,173
baseline
▲ 0.50% · 4.625%
HK$95,660
+HK$5,487/mo
Deposit HK$2.07M · loan HK$18.61M · min. income ≈ HK$180,346/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$817,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,397
−HK$5,100/mo
▼ 0.25% · 3.875%
HK$96,929
−HK$2,568/mo
Today · 4.125%
HK$99,497
baseline
▲ 0.50% · 4.625%
HK$104,742
+HK$5,245/mo
Deposit HK$2.07M · loan HK$18.61M · min. income ≈ HK$198,994/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$817,314 · Scale 2, in force from 26 Feb 2026)