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$46,463
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$47,908
−HK$1,468/mo
Today · 4.125%
HK$49,376
baseline
▲ 0.50% · 4.625%
HK$52,381
+HK$3,005/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$98,752/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$787,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,689
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$53,076
−HK$1,406/mo
Today · 4.125%
HK$54,482
baseline
▲ 0.50% · 4.625%
HK$57,354
+HK$2,872/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$108,964/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$787,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,755
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$57,490
−HK$1,762/mo
Today · 4.125%
HK$59,252
baseline
▲ 0.50% · 4.625%
HK$62,857
+HK$3,605/mo
Deposit HK$8.15M · loan HK$12.23M · min. income ≈ HK$118,504/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$787,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,027
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$63,691
−HK$1,687/mo
Today · 4.125%
HK$65,378
baseline
▲ 0.50% · 4.625%
HK$68,824
+HK$3,446/mo
Deposit HK$8.15M · loan HK$12.23M · min. income ≈ HK$130,756/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$787,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,048
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$67,071
−HK$2,056/mo
Today · 4.125%
HK$69,127
baseline
▲ 0.50% · 4.625%
HK$73,333
+HK$4,206/mo
Deposit HK$6.11M · loan HK$14.26M · min. income ≈ HK$138,254/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$787,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,365
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$74,306
−HK$1,969/mo
Today · 4.125%
HK$76,275
baseline
▲ 0.50% · 4.625%
HK$80,295
+HK$4,020/mo
Deposit HK$6.11M · loan HK$14.26M · min. income ≈ HK$152,550/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$787,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,633
−HK$5,244/mo
▼ 0.25% · 3.875%
HK$86,234
−HK$2,643/mo
Today · 4.125%
HK$88,877
baseline
▲ 0.50% · 4.625%
HK$94,285
+HK$5,408/mo
Deposit HK$2.04M · loan HK$18.34M · min. income ≈ HK$177,754/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$787,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,041
−HK$5,026/mo
▼ 0.25% · 3.875%
HK$95,536
−HK$2,531/mo
Today · 4.125%
HK$98,067
baseline
▲ 0.50% · 4.625%
HK$103,237
+HK$5,170/mo
Deposit HK$2.04M · loan HK$18.34M · min. income ≈ HK$196,134/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$787,608 · Scale 2, in force from 26 Feb 2026)