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$46,289
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$47,729
−HK$1,463/mo
Today · 4.125%
HK$49,192
baseline
▲ 0.50% · 4.625%
HK$52,185
+HK$2,993/mo
Deposit HK$10.15M · loan HK$10.15M · min. income ≈ HK$98,384/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$780,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,497
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$52,878
−HK$1,401/mo
Today · 4.125%
HK$54,279
baseline
▲ 0.50% · 4.625%
HK$57,140
+HK$2,861/mo
Deposit HK$10.15M · loan HK$10.15M · min. income ≈ HK$108,558/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$780,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,547
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$57,275
−HK$1,756/mo
Today · 4.125%
HK$59,031
baseline
▲ 0.50% · 4.625%
HK$62,623
+HK$3,592/mo
Deposit HK$8.12M · loan HK$12.18M · min. income ≈ HK$118,062/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$780,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,796
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$63,453
−HK$1,682/mo
Today · 4.125%
HK$65,135
baseline
▲ 0.50% · 4.625%
HK$68,568
+HK$3,433/mo
Deposit HK$8.12M · loan HK$12.18M · min. income ≈ HK$130,270/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$780,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,805
−HK$4,064/mo
▼ 0.25% · 3.875%
HK$66,821
−HK$2,048/mo
Today · 4.125%
HK$68,869
baseline
▲ 0.50% · 4.625%
HK$73,060
+HK$4,191/mo
Deposit HK$6.09M · loan HK$14.21M · min. income ≈ HK$137,738/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$780,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,095
−HK$3,895/mo
▼ 0.25% · 3.875%
HK$74,029
−HK$1,961/mo
Today · 4.125%
HK$75,990
baseline
▲ 0.50% · 4.625%
HK$79,996
+HK$4,006/mo
Deposit HK$6.09M · loan HK$14.21M · min. income ≈ HK$151,980/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$780,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,321
−HK$5,225/mo
▼ 0.25% · 3.875%
HK$85,913
−HK$2,633/mo
Today · 4.125%
HK$88,546
baseline
▲ 0.50% · 4.625%
HK$93,934
+HK$5,388/mo
Deposit HK$2.03M · loan HK$18.27M · min. income ≈ HK$177,092/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$780,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,694
−HK$5,008/mo
▼ 0.25% · 3.875%
HK$95,180
−HK$2,522/mo
Today · 4.125%
HK$97,702
baseline
▲ 0.50% · 4.625%
HK$102,852
+HK$5,150/mo
Deposit HK$2.03M · loan HK$18.27M · min. income ≈ HK$195,404/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$780,013 · Scale 2, in force from 26 Feb 2026)