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$46,418
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$47,861
−HK$1,467/mo
Today · 4.125%
HK$49,328
baseline
▲ 0.50% · 4.625%
HK$52,330
+HK$3,002/mo
Deposit HK$10.18M · loan HK$10.18M · min. income ≈ HK$98,656/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$785,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,639
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$53,024
−HK$1,405/mo
Today · 4.125%
HK$54,429
baseline
▲ 0.50% · 4.625%
HK$57,298
+HK$2,869/mo
Deposit HK$10.18M · loan HK$10.18M · min. income ≈ HK$108,858/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$785,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,701
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$57,434
−HK$1,760/mo
Today · 4.125%
HK$59,194
baseline
▲ 0.50% · 4.625%
HK$62,796
+HK$3,602/mo
Deposit HK$8.14M · loan HK$12.21M · min. income ≈ HK$118,388/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$785,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,967
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$63,629
−HK$1,686/mo
Today · 4.125%
HK$65,315
baseline
▲ 0.50% · 4.625%
HK$68,758
+HK$3,443/mo
Deposit HK$8.14M · loan HK$12.21M · min. income ≈ HK$130,630/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$785,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,985
−HK$4,075/mo
▼ 0.25% · 3.875%
HK$67,006
−HK$2,054/mo
Today · 4.125%
HK$69,060
baseline
▲ 0.50% · 4.625%
HK$73,262
+HK$4,202/mo
Deposit HK$6.11M · loan HK$14.25M · min. income ≈ HK$138,120/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$785,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,295
−HK$3,906/mo
▼ 0.25% · 3.875%
HK$74,234
−HK$1,967/mo
Today · 4.125%
HK$76,201
baseline
▲ 0.50% · 4.625%
HK$80,217
+HK$4,016/mo
Deposit HK$6.11M · loan HK$14.25M · min. income ≈ HK$152,402/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$785,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,552
−HK$5,239/mo
▼ 0.25% · 3.875%
HK$86,151
−HK$2,640/mo
Today · 4.125%
HK$88,791
baseline
▲ 0.50% · 4.625%
HK$94,194
+HK$5,403/mo
Deposit HK$2.04M · loan HK$18.32M · min. income ≈ HK$177,582/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$785,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,950
−HK$5,022/mo
▼ 0.25% · 3.875%
HK$95,443
−HK$2,529/mo
Today · 4.125%
HK$97,972
baseline
▲ 0.50% · 4.625%
HK$103,136
+HK$5,164/mo
Deposit HK$2.04M · loan HK$18.32M · min. income ≈ HK$195,944/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$785,630 · Scale 2, in force from 26 Feb 2026)