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$45,882
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$47,309
−HK$1,450/mo
Today · 4.125%
HK$48,759
baseline
▲ 0.50% · 4.625%
HK$51,726
+HK$2,967/mo
Deposit HK$10.06M · loan HK$10.06M · min. income ≈ HK$97,518/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$762,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,043
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$52,412
−HK$1,388/mo
Today · 4.125%
HK$53,800
baseline
▲ 0.50% · 4.625%
HK$56,636
+HK$2,836/mo
Deposit HK$10.06M · loan HK$10.06M · min. income ≈ HK$107,600/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$762,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,058
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$56,770
−HK$1,740/mo
Today · 4.125%
HK$58,510
baseline
▲ 0.50% · 4.625%
HK$62,071
+HK$3,561/mo
Deposit HK$8.05M · loan HK$12.07M · min. income ≈ HK$117,020/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$762,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,251
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$62,894
−HK$1,667/mo
Today · 4.125%
HK$64,561
baseline
▲ 0.50% · 4.625%
HK$67,964
+HK$3,403/mo
Deposit HK$8.05M · loan HK$12.07M · min. income ≈ HK$129,122/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$762,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,234
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$66,232
−HK$2,030/mo
Today · 4.125%
HK$68,262
baseline
▲ 0.50% · 4.625%
HK$72,416
+HK$4,154/mo
Deposit HK$6.04M · loan HK$14.08M · min. income ≈ HK$136,524/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$762,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,460
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$73,376
−HK$1,945/mo
Today · 4.125%
HK$75,321
baseline
▲ 0.50% · 4.625%
HK$79,291
+HK$3,970/mo
Deposit HK$6.04M · loan HK$14.08M · min. income ≈ HK$150,642/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$762,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,587
−HK$5,179/mo
▼ 0.25% · 3.875%
HK$85,156
−HK$2,610/mo
Today · 4.125%
HK$87,766
baseline
▲ 0.50% · 4.625%
HK$93,106
+HK$5,340/mo
Deposit HK$2.01M · loan HK$18.11M · min. income ≈ HK$175,532/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$762,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,877
−HK$4,964/mo
▼ 0.25% · 3.875%
HK$94,341
−HK$2,500/mo
Today · 4.125%
HK$96,841
baseline
▲ 0.50% · 4.625%
HK$101,945
+HK$5,104/mo
Deposit HK$2.01M · loan HK$18.11M · min. income ≈ HK$193,682/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$762,122 · Scale 2, in force from 26 Feb 2026)