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$45,998
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$47,429
−HK$1,454/mo
Today · 4.125%
HK$48,883
baseline
▲ 0.50% · 4.625%
HK$51,857
+HK$2,974/mo
Deposit HK$10.09M · loan HK$10.09M · min. income ≈ HK$97,766/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$767,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,173
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$52,545
−HK$1,392/mo
Today · 4.125%
HK$53,937
baseline
▲ 0.50% · 4.625%
HK$56,780
+HK$2,843/mo
Deposit HK$10.09M · loan HK$10.09M · min. income ≈ HK$107,874/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$767,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,198
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$56,915
−HK$1,744/mo
Today · 4.125%
HK$58,659
baseline
▲ 0.50% · 4.625%
HK$62,229
+HK$3,570/mo
Deposit HK$8.07M · loan HK$12.10M · min. income ≈ HK$117,318/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$767,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,407
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$63,054
−HK$1,671/mo
Today · 4.125%
HK$64,725
baseline
▲ 0.50% · 4.625%
HK$68,137
+HK$3,412/mo
Deposit HK$8.07M · loan HK$12.10M · min. income ≈ HK$129,450/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$767,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,398
−HK$4,038/mo
▼ 0.25% · 3.875%
HK$66,401
−HK$2,035/mo
Today · 4.125%
HK$68,436
baseline
▲ 0.50% · 4.625%
HK$72,600
+HK$4,164/mo
Deposit HK$6.05M · loan HK$14.12M · min. income ≈ HK$136,872/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$767,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,642
−HK$3,870/mo
▼ 0.25% · 3.875%
HK$73,563
−HK$1,949/mo
Today · 4.125%
HK$75,512
baseline
▲ 0.50% · 4.625%
HK$79,493
+HK$3,981/mo
Deposit HK$6.05M · loan HK$14.12M · min. income ≈ HK$151,024/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$767,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,797
−HK$5,192/mo
▼ 0.25% · 3.875%
HK$85,372
−HK$2,617/mo
Today · 4.125%
HK$87,989
baseline
▲ 0.50% · 4.625%
HK$93,343
+HK$5,354/mo
Deposit HK$2.02M · loan HK$18.16M · min. income ≈ HK$175,978/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$767,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,111
−HK$4,976/mo
▼ 0.25% · 3.875%
HK$94,581
−HK$2,506/mo
Today · 4.125%
HK$97,087
baseline
▲ 0.50% · 4.625%
HK$102,205
+HK$5,118/mo
Deposit HK$2.02M · loan HK$18.16M · min. income ≈ HK$194,174/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$767,242 · Scale 2, in force from 26 Feb 2026)