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$45,908
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$47,336
−HK$1,451/mo
Today · 4.125%
HK$48,787
baseline
▲ 0.50% · 4.625%
HK$51,756
+HK$2,969/mo
Deposit HK$10.07M · loan HK$10.07M · min. income ≈ HK$97,574/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$763,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,072
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$52,442
−HK$1,390/mo
Today · 4.125%
HK$53,832
baseline
▲ 0.50% · 4.625%
HK$56,669
+HK$2,837/mo
Deposit HK$10.07M · loan HK$10.07M · min. income ≈ HK$107,664/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$763,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,090
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$56,803
−HK$1,741/mo
Today · 4.125%
HK$58,544
baseline
▲ 0.50% · 4.625%
HK$62,107
+HK$3,563/mo
Deposit HK$8.05M · loan HK$12.08M · min. income ≈ HK$117,088/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$763,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,287
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$62,931
−HK$1,667/mo
Today · 4.125%
HK$64,598
baseline
▲ 0.50% · 4.625%
HK$68,003
+HK$3,405/mo
Deposit HK$8.05M · loan HK$12.08M · min. income ≈ HK$129,196/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$763,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,271
−HK$4,031/mo
▼ 0.25% · 3.875%
HK$66,271
−HK$2,031/mo
Today · 4.125%
HK$68,302
baseline
▲ 0.50% · 4.625%
HK$72,458
+HK$4,156/mo
Deposit HK$6.04M · loan HK$14.09M · min. income ≈ HK$136,604/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$763,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,501
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$73,419
−HK$1,945/mo
Today · 4.125%
HK$75,364
baseline
▲ 0.50% · 4.625%
HK$79,337
+HK$3,973/mo
Deposit HK$6.04M · loan HK$14.09M · min. income ≈ HK$150,728/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$763,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,635
−HK$5,182/mo
▼ 0.25% · 3.875%
HK$85,205
−HK$2,612/mo
Today · 4.125%
HK$87,817
baseline
▲ 0.50% · 4.625%
HK$93,160
+HK$5,343/mo
Deposit HK$2.01M · loan HK$18.12M · min. income ≈ HK$175,634/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$763,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,930
−HK$4,967/mo
▼ 0.25% · 3.875%
HK$94,396
−HK$2,501/mo
Today · 4.125%
HK$96,897
baseline
▲ 0.50% · 4.625%
HK$102,005
+HK$5,108/mo
Deposit HK$2.01M · loan HK$18.12M · min. income ≈ HK$193,794/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$763,291 · Scale 2, in force from 26 Feb 2026)