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$45,705
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$47,126
−HK$1,445/mo
Today · 4.125%
HK$48,571
baseline
▲ 0.50% · 4.625%
HK$51,526
+HK$2,955/mo
Deposit HK$10.02M · loan HK$10.02M · min. income ≈ HK$97,142/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$754,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,846
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$52,210
−HK$1,383/mo
Today · 4.125%
HK$53,593
baseline
▲ 0.50% · 4.625%
HK$56,418
+HK$2,825/mo
Deposit HK$10.02M · loan HK$10.02M · min. income ≈ HK$107,186/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$754,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,846
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$56,552
−HK$1,733/mo
Today · 4.125%
HK$58,285
baseline
▲ 0.50% · 4.625%
HK$61,831
+HK$3,546/mo
Deposit HK$8.02M · loan HK$12.03M · min. income ≈ HK$116,570/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$754,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,015
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$62,652
−HK$1,660/mo
Today · 4.125%
HK$64,312
baseline
▲ 0.50% · 4.625%
HK$67,702
+HK$3,390/mo
Deposit HK$8.02M · loan HK$12.03M · min. income ≈ HK$128,624/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$754,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,987
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$65,977
−HK$2,022/mo
Today · 4.125%
HK$67,999
baseline
▲ 0.50% · 4.625%
HK$72,137
+HK$4,138/mo
Deposit HK$6.01M · loan HK$14.03M · min. income ≈ HK$135,998/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$754,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,184
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$73,093
−HK$1,937/mo
Today · 4.125%
HK$75,030
baseline
▲ 0.50% · 4.625%
HK$78,985
+HK$3,955/mo
Deposit HK$6.01M · loan HK$14.03M · min. income ≈ HK$150,060/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$754,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,268
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$84,827
−HK$2,600/mo
Today · 4.125%
HK$87,427
baseline
▲ 0.50% · 4.625%
HK$92,747
+HK$5,320/mo
Deposit HK$2.00M · loan HK$18.04M · min. income ≈ HK$174,854/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$754,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,523
−HK$4,944/mo
▼ 0.25% · 3.875%
HK$93,977
−HK$2,490/mo
Today · 4.125%
HK$96,467
baseline
▲ 0.50% · 4.625%
HK$101,552
+HK$5,085/mo
Deposit HK$2.00M · loan HK$18.04M · min. income ≈ HK$192,934/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$754,365 · Scale 2, in force from 26 Feb 2026)