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$45,796
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$47,220
−HK$1,447/mo
Today · 4.125%
HK$48,667
baseline
▲ 0.50% · 4.625%
HK$51,629
+HK$2,962/mo
Deposit HK$10.04M · loan HK$10.04M · min. income ≈ HK$97,334/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$758,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,947
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$52,313
−HK$1,387/mo
Today · 4.125%
HK$53,700
baseline
▲ 0.50% · 4.625%
HK$56,530
+HK$2,830/mo
Deposit HK$10.04M · loan HK$10.04M · min. income ≈ HK$107,400/mo (50% DSR)
Upfront cash ≈ HK$10.80M (deposit + AVD stamp duty HK$758,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,955
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$56,664
−HK$1,737/mo
Today · 4.125%
HK$58,401
baseline
▲ 0.50% · 4.625%
HK$61,954
+HK$3,553/mo
Deposit HK$8.03M · loan HK$12.05M · min. income ≈ HK$116,802/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$758,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,136
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$62,776
−HK$1,664/mo
Today · 4.125%
HK$64,440
baseline
▲ 0.50% · 4.625%
HK$67,836
+HK$3,396/mo
Deposit HK$8.03M · loan HK$12.05M · min. income ≈ HK$128,880/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$758,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,114
−HK$4,020/mo
▼ 0.25% · 3.875%
HK$66,108
−HK$2,026/mo
Today · 4.125%
HK$68,134
baseline
▲ 0.50% · 4.625%
HK$72,280
+HK$4,146/mo
Deposit HK$6.03M · loan HK$14.06M · min. income ≈ HK$136,268/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$758,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,326
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$73,239
−HK$1,940/mo
Today · 4.125%
HK$75,179
baseline
▲ 0.50% · 4.625%
HK$79,142
+HK$3,963/mo
Deposit HK$6.03M · loan HK$14.06M · min. income ≈ HK$150,358/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$758,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,432
−HK$5,169/mo
▼ 0.25% · 3.875%
HK$84,996
−HK$2,605/mo
Today · 4.125%
HK$87,601
baseline
▲ 0.50% · 4.625%
HK$92,931
+HK$5,330/mo
Deposit HK$2.01M · loan HK$18.08M · min. income ≈ HK$175,202/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$758,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,705
−HK$4,954/mo
▼ 0.25% · 3.875%
HK$94,164
−HK$2,495/mo
Today · 4.125%
HK$96,659
baseline
▲ 0.50% · 4.625%
HK$101,754
+HK$5,095/mo
Deposit HK$2.01M · loan HK$18.08M · min. income ≈ HK$193,318/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$758,351 · Scale 2, in force from 26 Feb 2026)