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$46,077
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$47,510
−HK$1,456/mo
Today · 4.125%
HK$48,966
baseline
▲ 0.50% · 4.625%
HK$51,946
+HK$2,980/mo
Deposit HK$10.10M · loan HK$10.10M · min. income ≈ HK$97,932/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$770,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,260
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$52,635
−HK$1,395/mo
Today · 4.125%
HK$54,030
baseline
▲ 0.50% · 4.625%
HK$56,878
+HK$2,848/mo
Deposit HK$10.10M · loan HK$10.10M · min. income ≈ HK$108,060/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$770,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,292
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$57,012
−HK$1,748/mo
Today · 4.125%
HK$58,760
baseline
▲ 0.50% · 4.625%
HK$62,335
+HK$3,575/mo
Deposit HK$8.08M · loan HK$12.12M · min. income ≈ HK$117,520/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$770,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,512
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$63,162
−HK$1,674/mo
Today · 4.125%
HK$64,836
baseline
▲ 0.50% · 4.625%
HK$68,253
+HK$3,417/mo
Deposit HK$8.08M · loan HK$12.12M · min. income ≈ HK$129,672/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$770,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,508
−HK$4,045/mo
▼ 0.25% · 3.875%
HK$66,514
−HK$2,039/mo
Today · 4.125%
HK$68,553
baseline
▲ 0.50% · 4.625%
HK$72,724
+HK$4,171/mo
Deposit HK$6.06M · loan HK$14.14M · min. income ≈ HK$137,106/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$770,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,764
−HK$3,877/mo
▼ 0.25% · 3.875%
HK$73,689
−HK$1,952/mo
Today · 4.125%
HK$75,641
baseline
▲ 0.50% · 4.625%
HK$79,629
+HK$3,988/mo
Deposit HK$6.06M · loan HK$14.14M · min. income ≈ HK$151,282/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$770,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,939
−HK$5,201/mo
▼ 0.25% · 3.875%
HK$85,518
−HK$2,622/mo
Today · 4.125%
HK$88,140
baseline
▲ 0.50% · 4.625%
HK$93,503
+HK$5,363/mo
Deposit HK$2.02M · loan HK$18.19M · min. income ≈ HK$176,280/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$770,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,268
−HK$4,985/mo
▼ 0.25% · 3.875%
HK$94,743
−HK$2,510/mo
Today · 4.125%
HK$97,253
baseline
▲ 0.50% · 4.625%
HK$102,380
+HK$5,127/mo
Deposit HK$2.02M · loan HK$18.19M · min. income ≈ HK$194,506/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$770,694 · Scale 2, in force from 26 Feb 2026)