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$45,776
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$47,200
−HK$1,447/mo
Today · 4.125%
HK$48,647
baseline
▲ 0.50% · 4.625%
HK$51,607
+HK$2,960/mo
Deposit HK$10.04M · loan HK$10.04M · min. income ≈ HK$97,294/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$757,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,926
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$52,292
−HK$1,385/mo
Today · 4.125%
HK$53,677
baseline
▲ 0.50% · 4.625%
HK$56,507
+HK$2,830/mo
Deposit HK$10.04M · loan HK$10.04M · min. income ≈ HK$107,354/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$757,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,932
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$56,640
−HK$1,736/mo
Today · 4.125%
HK$58,376
baseline
▲ 0.50% · 4.625%
HK$61,928
+HK$3,552/mo
Deposit HK$8.03M · loan HK$12.05M · min. income ≈ HK$116,752/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$757,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,111
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$62,750
−HK$1,663/mo
Today · 4.125%
HK$64,413
baseline
▲ 0.50% · 4.625%
HK$67,808
+HK$3,395/mo
Deposit HK$8.03M · loan HK$12.05M · min. income ≈ HK$128,826/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$757,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,087
−HK$4,019/mo
▼ 0.25% · 3.875%
HK$66,080
−HK$2,026/mo
Today · 4.125%
HK$68,106
baseline
▲ 0.50% · 4.625%
HK$72,250
+HK$4,144/mo
Deposit HK$6.02M · loan HK$14.05M · min. income ≈ HK$136,212/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$757,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,296
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$73,208
−HK$1,940/mo
Today · 4.125%
HK$75,148
baseline
▲ 0.50% · 4.625%
HK$79,109
+HK$3,961/mo
Deposit HK$6.02M · loan HK$14.05M · min. income ≈ HK$150,296/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$757,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,398
−HK$5,167/mo
▼ 0.25% · 3.875%
HK$84,961
−HK$2,604/mo
Today · 4.125%
HK$87,565
baseline
▲ 0.50% · 4.625%
HK$92,893
+HK$5,328/mo
Deposit HK$2.01M · loan HK$18.07M · min. income ≈ HK$175,130/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$757,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,666
−HK$4,953/mo
▼ 0.25% · 3.875%
HK$94,125
−HK$2,494/mo
Today · 4.125%
HK$96,619
baseline
▲ 0.50% · 4.625%
HK$101,712
+HK$5,093/mo
Deposit HK$2.01M · loan HK$18.07M · min. income ≈ HK$193,238/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$757,513 · Scale 2, in force from 26 Feb 2026)