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$45,925
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$47,354
−HK$1,451/mo
Today · 4.125%
HK$48,805
baseline
▲ 0.50% · 4.625%
HK$51,775
+HK$2,970/mo
Deposit HK$10.07M · loan HK$10.07M · min. income ≈ HK$97,610/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$764,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,091
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$52,461
−HK$1,390/mo
Today · 4.125%
HK$53,851
baseline
▲ 0.50% · 4.625%
HK$56,690
+HK$2,839/mo
Deposit HK$10.07M · loan HK$10.07M · min. income ≈ HK$107,702/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$764,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,110
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$56,824
−HK$1,742/mo
Today · 4.125%
HK$58,566
baseline
▲ 0.50% · 4.625%
HK$62,130
+HK$3,564/mo
Deposit HK$8.06M · loan HK$12.08M · min. income ≈ HK$117,132/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$764,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,309
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$62,954
−HK$1,668/mo
Today · 4.125%
HK$64,622
baseline
▲ 0.50% · 4.625%
HK$68,028
+HK$3,406/mo
Deposit HK$8.06M · loan HK$12.08M · min. income ≈ HK$129,244/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$764,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,295
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$66,295
−HK$2,032/mo
Today · 4.125%
HK$68,327
baseline
▲ 0.50% · 4.625%
HK$72,485
+HK$4,158/mo
Deposit HK$6.04M · loan HK$14.10M · min. income ≈ HK$136,654/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$764,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,528
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$73,446
−HK$1,946/mo
Today · 4.125%
HK$75,392
baseline
▲ 0.50% · 4.625%
HK$79,366
+HK$3,974/mo
Deposit HK$6.04M · loan HK$14.10M · min. income ≈ HK$150,784/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$764,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,665
−HK$5,184/mo
▼ 0.25% · 3.875%
HK$85,236
−HK$2,613/mo
Today · 4.125%
HK$87,849
baseline
▲ 0.50% · 4.625%
HK$93,194
+HK$5,345/mo
Deposit HK$2.01M · loan HK$18.13M · min. income ≈ HK$175,698/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$764,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,964
−HK$4,969/mo
▼ 0.25% · 3.875%
HK$94,431
−HK$2,502/mo
Today · 4.125%
HK$96,933
baseline
▲ 0.50% · 4.625%
HK$102,042
+HK$5,109/mo
Deposit HK$2.01M · loan HK$18.13M · min. income ≈ HK$193,866/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$764,032 · Scale 2, in force from 26 Feb 2026)