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$46,378
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$47,821
−HK$1,465/mo
Today · 4.125%
HK$49,286
baseline
▲ 0.50% · 4.625%
HK$52,285
+HK$2,999/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$98,572/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$783,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,595
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$52,979
−HK$1,404/mo
Today · 4.125%
HK$54,383
baseline
▲ 0.50% · 4.625%
HK$57,249
+HK$2,866/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$108,766/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$783,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,654
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$57,385
−HK$1,759/mo
Today · 4.125%
HK$59,144
baseline
▲ 0.50% · 4.625%
HK$62,742
+HK$3,598/mo
Deposit HK$8.14M · loan HK$12.20M · min. income ≈ HK$118,288/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$783,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,914
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$63,575
−HK$1,684/mo
Today · 4.125%
HK$65,259
baseline
▲ 0.50% · 4.625%
HK$68,699
+HK$3,440/mo
Deposit HK$8.14M · loan HK$12.20M · min. income ≈ HK$130,518/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$783,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,929
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$66,949
−HK$2,052/mo
Today · 4.125%
HK$69,001
baseline
▲ 0.50% · 4.625%
HK$73,200
+HK$4,199/mo
Deposit HK$6.10M · loan HK$14.24M · min. income ≈ HK$138,002/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$783,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,233
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$74,171
−HK$1,965/mo
Today · 4.125%
HK$76,136
baseline
▲ 0.50% · 4.625%
HK$80,149
+HK$4,013/mo
Deposit HK$6.10M · loan HK$14.24M · min. income ≈ HK$152,272/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$783,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,481
−HK$5,235/mo
▼ 0.25% · 3.875%
HK$86,077
−HK$2,639/mo
Today · 4.125%
HK$88,716
baseline
▲ 0.50% · 4.625%
HK$94,114
+HK$5,398/mo
Deposit HK$2.03M · loan HK$18.31M · min. income ≈ HK$177,432/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$783,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,871
−HK$5,018/mo
▼ 0.25% · 3.875%
HK$95,362
−HK$2,527/mo
Today · 4.125%
HK$97,889
baseline
▲ 0.50% · 4.625%
HK$103,049
+HK$5,160/mo
Deposit HK$2.03M · loan HK$18.31M · min. income ≈ HK$195,778/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$783,900 · Scale 2, in force from 26 Feb 2026)