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$46,216
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$47,653
−HK$1,461/mo
Today · 4.125%
HK$49,114
baseline
▲ 0.50% · 4.625%
HK$52,102
+HK$2,988/mo
Deposit HK$10.13M · loan HK$10.13M · min. income ≈ HK$98,228/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$776,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,414
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$52,793
−HK$1,399/mo
Today · 4.125%
HK$54,192
baseline
▲ 0.50% · 4.625%
HK$57,049
+HK$2,857/mo
Deposit HK$10.13M · loan HK$10.13M · min. income ≈ HK$108,384/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$776,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,459
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$57,184
−HK$1,753/mo
Today · 4.125%
HK$58,937
baseline
▲ 0.50% · 4.625%
HK$62,523
+HK$3,586/mo
Deposit HK$8.11M · loan HK$12.16M · min. income ≈ HK$117,874/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$776,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,697
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$63,352
−HK$1,679/mo
Today · 4.125%
HK$65,031
baseline
▲ 0.50% · 4.625%
HK$68,458
+HK$3,427/mo
Deposit HK$8.11M · loan HK$12.16M · min. income ≈ HK$130,062/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$776,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,702
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$66,714
−HK$2,045/mo
Today · 4.125%
HK$68,759
baseline
▲ 0.50% · 4.625%
HK$72,943
+HK$4,184/mo
Deposit HK$6.08M · loan HK$14.19M · min. income ≈ HK$137,518/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$776,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,980
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$73,911
−HK$1,958/mo
Today · 4.125%
HK$75,869
baseline
▲ 0.50% · 4.625%
HK$79,868
+HK$3,999/mo
Deposit HK$6.08M · loan HK$14.19M · min. income ≈ HK$151,738/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$776,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,188
−HK$5,217/mo
▼ 0.25% · 3.875%
HK$85,776
−HK$2,629/mo
Today · 4.125%
HK$88,405
baseline
▲ 0.50% · 4.625%
HK$93,784
+HK$5,379/mo
Deposit HK$2.03M · loan HK$18.24M · min. income ≈ HK$176,810/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$776,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,546
−HK$5,000/mo
▼ 0.25% · 3.875%
HK$95,028
−HK$2,518/mo
Today · 4.125%
HK$97,546
baseline
▲ 0.50% · 4.625%
HK$102,688
+HK$5,142/mo
Deposit HK$2.03M · loan HK$18.24M · min. income ≈ HK$195,092/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$776,774 · Scale 2, in force from 26 Feb 2026)