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$46,048
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$47,480
−HK$1,455/mo
Today · 4.125%
HK$48,935
baseline
▲ 0.50% · 4.625%
HK$51,913
+HK$2,978/mo
Deposit HK$10.10M · loan HK$10.10M · min. income ≈ HK$97,870/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$769,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,227
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$52,601
−HK$1,394/mo
Today · 4.125%
HK$53,995
baseline
▲ 0.50% · 4.625%
HK$56,841
+HK$2,846/mo
Deposit HK$10.10M · loan HK$10.10M · min. income ≈ HK$107,990/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$769,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,257
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$56,976
−HK$1,746/mo
Today · 4.125%
HK$58,722
baseline
▲ 0.50% · 4.625%
HK$62,295
+HK$3,573/mo
Deposit HK$8.08M · loan HK$12.12M · min. income ≈ HK$117,444/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$769,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,473
−HK$3,321/mo
▼ 0.25% · 3.875%
HK$63,122
−HK$1,672/mo
Today · 4.125%
HK$64,794
baseline
▲ 0.50% · 4.625%
HK$68,209
+HK$3,415/mo
Deposit HK$8.08M · loan HK$12.12M · min. income ≈ HK$129,588/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$769,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,467
−HK$4,042/mo
▼ 0.25% · 3.875%
HK$66,472
−HK$2,037/mo
Today · 4.125%
HK$68,509
baseline
▲ 0.50% · 4.625%
HK$72,678
+HK$4,169/mo
Deposit HK$6.06M · loan HK$14.14M · min. income ≈ HK$137,018/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$769,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,718
−HK$3,875/mo
▼ 0.25% · 3.875%
HK$73,642
−HK$1,951/mo
Today · 4.125%
HK$75,593
baseline
▲ 0.50% · 4.625%
HK$79,578
+HK$3,985/mo
Deposit HK$6.06M · loan HK$14.14M · min. income ≈ HK$151,186/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$769,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,886
−HK$5,197/mo
▼ 0.25% · 3.875%
HK$85,464
−HK$2,619/mo
Today · 4.125%
HK$88,083
baseline
▲ 0.50% · 4.625%
HK$93,443
+HK$5,360/mo
Deposit HK$2.02M · loan HK$18.17M · min. income ≈ HK$176,166/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$769,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,209
−HK$4,982/mo
▼ 0.25% · 3.875%
HK$94,682
−HK$2,509/mo
Today · 4.125%
HK$97,191
baseline
▲ 0.50% · 4.625%
HK$102,314
+HK$5,123/mo
Deposit HK$2.02M · loan HK$18.17M · min. income ≈ HK$194,382/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$769,401 · Scale 2, in force from 26 Feb 2026)