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$46,386
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$47,828
−HK$1,466/mo
Today · 4.125%
HK$49,294
baseline
▲ 0.50% · 4.625%
HK$52,294
+HK$3,000/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$98,588/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$784,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,604
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$52,987
−HK$1,404/mo
Today · 4.125%
HK$54,391
baseline
▲ 0.50% · 4.625%
HK$57,259
+HK$2,868/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$108,782/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$784,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,663
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$57,394
−HK$1,759/mo
Today · 4.125%
HK$59,153
baseline
▲ 0.50% · 4.625%
HK$62,753
+HK$3,600/mo
Deposit HK$8.14M · loan HK$12.21M · min. income ≈ HK$118,306/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$784,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,924
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$63,585
−HK$1,685/mo
Today · 4.125%
HK$65,270
baseline
▲ 0.50% · 4.625%
HK$68,710
+HK$3,440/mo
Deposit HK$8.14M · loan HK$12.21M · min. income ≈ HK$130,540/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$784,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,940
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$66,960
−HK$2,052/mo
Today · 4.125%
HK$69,012
baseline
▲ 0.50% · 4.625%
HK$73,211
+HK$4,199/mo
Deposit HK$6.10M · loan HK$14.24M · min. income ≈ HK$138,024/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$784,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,245
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$74,182
−HK$1,966/mo
Today · 4.125%
HK$76,148
baseline
▲ 0.50% · 4.625%
HK$80,162
+HK$4,014/mo
Deposit HK$6.10M · loan HK$14.24M · min. income ≈ HK$152,296/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$784,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,494
−HK$5,236/mo
▼ 0.25% · 3.875%
HK$86,091
−HK$2,639/mo
Today · 4.125%
HK$88,730
baseline
▲ 0.50% · 4.625%
HK$94,129
+HK$5,399/mo
Deposit HK$2.03M · loan HK$18.31M · min. income ≈ HK$177,460/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$784,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,886
−HK$5,019/mo
▼ 0.25% · 3.875%
HK$95,377
−HK$2,528/mo
Today · 4.125%
HK$97,905
baseline
▲ 0.50% · 4.625%
HK$103,065
+HK$5,160/mo
Deposit HK$2.03M · loan HK$18.31M · min. income ≈ HK$195,810/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$784,228 · Scale 2, in force from 26 Feb 2026)