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$46,428
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$47,872
−HK$1,467/mo
Today · 4.125%
HK$49,339
baseline
▲ 0.50% · 4.625%
HK$52,342
+HK$3,003/mo
Deposit HK$10.18M · loan HK$10.18M · min. income ≈ HK$98,678/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$786,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,651
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$53,036
−HK$1,405/mo
Today · 4.125%
HK$54,441
baseline
▲ 0.50% · 4.625%
HK$57,311
+HK$2,870/mo
Deposit HK$10.18M · loan HK$10.18M · min. income ≈ HK$108,882/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$786,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,714
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$57,447
−HK$1,760/mo
Today · 4.125%
HK$59,207
baseline
▲ 0.50% · 4.625%
HK$62,810
+HK$3,603/mo
Deposit HK$8.14M · loan HK$12.22M · min. income ≈ HK$118,414/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$786,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,981
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$63,643
−HK$1,687/mo
Today · 4.125%
HK$65,330
baseline
▲ 0.50% · 4.625%
HK$68,773
+HK$3,443/mo
Deposit HK$8.14M · loan HK$12.22M · min. income ≈ HK$130,660/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$786,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,999
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$67,021
−HK$2,054/mo
Today · 4.125%
HK$69,075
baseline
▲ 0.50% · 4.625%
HK$73,278
+HK$4,203/mo
Deposit HK$6.11M · loan HK$14.25M · min. income ≈ HK$138,150/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$786,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,311
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$74,250
−HK$1,968/mo
Today · 4.125%
HK$76,218
baseline
▲ 0.50% · 4.625%
HK$80,235
+HK$4,017/mo
Deposit HK$6.11M · loan HK$14.25M · min. income ≈ HK$152,436/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$786,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,570
−HK$5,241/mo
▼ 0.25% · 3.875%
HK$86,170
−HK$2,641/mo
Today · 4.125%
HK$88,811
baseline
▲ 0.50% · 4.625%
HK$94,215
+HK$5,404/mo
Deposit HK$2.04M · loan HK$18.32M · min. income ≈ HK$177,622/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$786,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,971
−HK$5,023/mo
▼ 0.25% · 3.875%
HK$95,465
−HK$2,529/mo
Today · 4.125%
HK$97,994
baseline
▲ 0.50% · 4.625%
HK$103,160
+HK$5,166/mo
Deposit HK$2.04M · loan HK$18.32M · min. income ≈ HK$195,988/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$786,089 · Scale 2, in force from 26 Feb 2026)