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$46,812
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$48,268
−HK$1,480/mo
Today · 4.125%
HK$49,748
baseline
▲ 0.50% · 4.625%
HK$52,775
+HK$3,027/mo
Deposit HK$10.26M · loan HK$10.26M · min. income ≈ HK$99,496/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$802,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,078
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$53,475
−HK$1,417/mo
Today · 4.125%
HK$54,892
baseline
▲ 0.50% · 4.625%
HK$57,785
+HK$2,893/mo
Deposit HK$10.26M · loan HK$10.26M · min. income ≈ HK$109,784/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$802,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,174
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$57,922
−HK$1,775/mo
Today · 4.125%
HK$59,697
baseline
▲ 0.50% · 4.625%
HK$63,330
+HK$3,633/mo
Deposit HK$8.21M · loan HK$12.32M · min. income ≈ HK$119,394/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$802,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,494
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$64,170
−HK$1,700/mo
Today · 4.125%
HK$65,870
baseline
▲ 0.50% · 4.625%
HK$69,342
+HK$3,472/mo
Deposit HK$8.21M · loan HK$12.32M · min. income ≈ HK$131,740/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$802,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,537
−HK$4,110/mo
▼ 0.25% · 3.875%
HK$67,575
−HK$2,072/mo
Today · 4.125%
HK$69,647
baseline
▲ 0.50% · 4.625%
HK$73,884
+HK$4,237/mo
Deposit HK$6.16M · loan HK$14.37M · min. income ≈ HK$139,294/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$802,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,909
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$74,864
−HK$1,984/mo
Today · 4.125%
HK$76,848
baseline
▲ 0.50% · 4.625%
HK$80,899
+HK$4,051/mo
Deposit HK$6.16M · loan HK$14.37M · min. income ≈ HK$153,696/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$802,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,262
−HK$5,284/mo
▼ 0.25% · 3.875%
HK$86,883
−HK$2,663/mo
Today · 4.125%
HK$89,546
baseline
▲ 0.50% · 4.625%
HK$94,994
+HK$5,448/mo
Deposit HK$2.05M · loan HK$18.48M · min. income ≈ HK$179,092/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$802,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,740
−HK$5,065/mo
▼ 0.25% · 3.875%
HK$96,254
−HK$2,551/mo
Today · 4.125%
HK$98,805
baseline
▲ 0.50% · 4.625%
HK$104,013
+HK$5,208/mo
Deposit HK$2.05M · loan HK$18.48M · min. income ≈ HK$197,610/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$802,929 · Scale 2, in force from 26 Feb 2026)