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$46,488
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$47,934
−HK$1,470/mo
Today · 4.125%
HK$49,404
baseline
▲ 0.50% · 4.625%
HK$52,410
+HK$3,006/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$98,808/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$788,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,718
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$53,105
−HK$1,407/mo
Today · 4.125%
HK$54,512
baseline
▲ 0.50% · 4.625%
HK$57,385
+HK$2,873/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$109,024/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$788,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,786
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$57,521
−HK$1,763/mo
Today · 4.125%
HK$59,284
baseline
▲ 0.50% · 4.625%
HK$62,892
+HK$3,608/mo
Deposit HK$8.15M · loan HK$12.23M · min. income ≈ HK$118,568/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$788,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,061
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$63,726
−HK$1,688/mo
Today · 4.125%
HK$65,414
baseline
▲ 0.50% · 4.625%
HK$68,862
+HK$3,448/mo
Deposit HK$8.15M · loan HK$12.23M · min. income ≈ HK$130,828/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$788,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,084
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$67,108
−HK$2,057/mo
Today · 4.125%
HK$69,165
baseline
▲ 0.50% · 4.625%
HK$73,374
+HK$4,209/mo
Deposit HK$6.12M · loan HK$14.27M · min. income ≈ HK$138,330/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$788,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,405
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$74,347
−HK$1,970/mo
Today · 4.125%
HK$76,317
baseline
▲ 0.50% · 4.625%
HK$80,340
+HK$4,023/mo
Deposit HK$6.12M · loan HK$14.27M · min. income ≈ HK$152,634/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$788,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,679
−HK$5,247/mo
▼ 0.25% · 3.875%
HK$86,282
−HK$2,644/mo
Today · 4.125%
HK$88,926
baseline
▲ 0.50% · 4.625%
HK$94,337
+HK$5,411/mo
Deposit HK$2.04M · loan HK$18.35M · min. income ≈ HK$177,852/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$788,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,092
−HK$5,030/mo
▼ 0.25% · 3.875%
HK$95,589
−HK$2,533/mo
Today · 4.125%
HK$98,122
baseline
▲ 0.50% · 4.625%
HK$103,294
+HK$5,172/mo
Deposit HK$2.04M · loan HK$18.35M · min. income ≈ HK$196,244/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$788,733 · Scale 2, in force from 26 Feb 2026)