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$45,795
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$47,220
−HK$1,447/mo
Today · 4.125%
HK$48,667
baseline
▲ 0.50% · 4.625%
HK$51,628
+HK$2,961/mo
Deposit HK$10.04M · loan HK$10.04M · min. income ≈ HK$97,334/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$758,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,947
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$52,313
−HK$1,386/mo
Today · 4.125%
HK$53,699
baseline
▲ 0.50% · 4.625%
HK$56,530
+HK$2,831/mo
Deposit HK$10.04M · loan HK$10.04M · min. income ≈ HK$107,398/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$758,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,954
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$56,663
−HK$1,737/mo
Today · 4.125%
HK$58,400
baseline
▲ 0.50% · 4.625%
HK$61,954
+HK$3,554/mo
Deposit HK$8.03M · loan HK$12.05M · min. income ≈ HK$116,800/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$758,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,136
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$62,775
−HK$1,664/mo
Today · 4.125%
HK$64,439
baseline
▲ 0.50% · 4.625%
HK$67,835
+HK$3,396/mo
Deposit HK$8.03M · loan HK$12.05M · min. income ≈ HK$128,878/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$758,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,113
−HK$4,020/mo
▼ 0.25% · 3.875%
HK$66,107
−HK$2,026/mo
Today · 4.125%
HK$68,133
baseline
▲ 0.50% · 4.625%
HK$72,279
+HK$4,146/mo
Deposit HK$6.02M · loan HK$14.06M · min. income ≈ HK$136,266/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$758,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,325
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$73,238
−HK$1,941/mo
Today · 4.125%
HK$75,179
baseline
▲ 0.50% · 4.625%
HK$79,141
+HK$3,962/mo
Deposit HK$6.02M · loan HK$14.06M · min. income ≈ HK$150,358/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$758,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,431
−HK$5,169/mo
▼ 0.25% · 3.875%
HK$84,995
−HK$2,605/mo
Today · 4.125%
HK$87,600
baseline
▲ 0.50% · 4.625%
HK$92,930
+HK$5,330/mo
Deposit HK$2.01M · loan HK$18.07M · min. income ≈ HK$175,200/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$758,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,704
−HK$4,954/mo
▼ 0.25% · 3.875%
HK$94,163
−HK$2,495/mo
Today · 4.125%
HK$96,658
baseline
▲ 0.50% · 4.625%
HK$101,753
+HK$5,095/mo
Deposit HK$2.01M · loan HK$18.07M · min. income ≈ HK$193,316/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$758,328 · Scale 2, in force from 26 Feb 2026)