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$45,669
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$47,089
−HK$1,444/mo
Today · 4.125%
HK$48,533
baseline
▲ 0.50% · 4.625%
HK$51,486
+HK$2,953/mo
Deposit HK$10.01M · loan HK$10.01M · min. income ≈ HK$97,066/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$752,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,806
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$52,169
−HK$1,382/mo
Today · 4.125%
HK$53,551
baseline
▲ 0.50% · 4.625%
HK$56,374
+HK$2,823/mo
Deposit HK$10.01M · loan HK$10.01M · min. income ≈ HK$107,102/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$752,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,803
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$56,507
−HK$1,732/mo
Today · 4.125%
HK$58,239
baseline
▲ 0.50% · 4.625%
HK$61,783
+HK$3,544/mo
Deposit HK$8.01M · loan HK$12.02M · min. income ≈ HK$116,478/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$752,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,967
−HK$3,294/mo
▼ 0.25% · 3.875%
HK$62,603
−HK$1,658/mo
Today · 4.125%
HK$64,261
baseline
▲ 0.50% · 4.625%
HK$67,649
+HK$3,388/mo
Deposit HK$8.01M · loan HK$12.02M · min. income ≈ HK$128,522/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$752,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,936
−HK$4,010/mo
▼ 0.25% · 3.875%
HK$65,925
−HK$2,021/mo
Today · 4.125%
HK$67,946
baseline
▲ 0.50% · 4.625%
HK$72,080
+HK$4,134/mo
Deposit HK$6.01M · loan HK$14.02M · min. income ≈ HK$135,892/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$752,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,129
−HK$3,843/mo
▼ 0.25% · 3.875%
HK$73,036
−HK$1,936/mo
Today · 4.125%
HK$74,972
baseline
▲ 0.50% · 4.625%
HK$78,923
+HK$3,951/mo
Deposit HK$6.01M · loan HK$14.02M · min. income ≈ HK$149,944/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$752,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,204
−HK$5,155/mo
▼ 0.25% · 3.875%
HK$84,761
−HK$2,598/mo
Today · 4.125%
HK$87,359
baseline
▲ 0.50% · 4.625%
HK$92,674
+HK$5,315/mo
Deposit HK$2.00M · loan HK$18.03M · min. income ≈ HK$174,718/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$752,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,451
−HK$4,941/mo
▼ 0.25% · 3.875%
HK$93,904
−HK$2,488/mo
Today · 4.125%
HK$96,392
baseline
▲ 0.50% · 4.625%
HK$101,473
+HK$5,081/mo
Deposit HK$2.00M · loan HK$18.03M · min. income ≈ HK$192,784/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$752,796 · Scale 2, in force from 26 Feb 2026)