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$46,007
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$47,439
−HK$1,454/mo
Today · 4.125%
HK$48,893
baseline
▲ 0.50% · 4.625%
HK$51,868
+HK$2,975/mo
Deposit HK$10.09M · loan HK$10.09M · min. income ≈ HK$97,786/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$767,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,183
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$52,556
−HK$1,392/mo
Today · 4.125%
HK$53,948
baseline
▲ 0.50% · 4.625%
HK$56,792
+HK$2,844/mo
Deposit HK$10.09M · loan HK$10.09M · min. income ≈ HK$107,896/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$767,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,209
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$56,926
−HK$1,745/mo
Today · 4.125%
HK$58,671
baseline
▲ 0.50% · 4.625%
HK$62,241
+HK$3,570/mo
Deposit HK$8.07M · loan HK$12.11M · min. income ≈ HK$117,342/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$767,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,419
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$63,067
−HK$1,671/mo
Today · 4.125%
HK$64,738
baseline
▲ 0.50% · 4.625%
HK$68,150
+HK$3,412/mo
Deposit HK$8.07M · loan HK$12.11M · min. income ≈ HK$129,476/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$767,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,410
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$66,414
−HK$2,036/mo
Today · 4.125%
HK$68,450
baseline
▲ 0.50% · 4.625%
HK$72,615
+HK$4,165/mo
Deposit HK$6.05M · loan HK$14.12M · min. income ≈ HK$136,900/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$767,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,656
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$73,578
−HK$1,949/mo
Today · 4.125%
HK$75,527
baseline
▲ 0.50% · 4.625%
HK$79,509
+HK$3,982/mo
Deposit HK$6.05M · loan HK$14.12M · min. income ≈ HK$151,054/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$767,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,813
−HK$5,194/mo
▼ 0.25% · 3.875%
HK$85,389
−HK$2,618/mo
Today · 4.125%
HK$88,007
baseline
▲ 0.50% · 4.625%
HK$93,362
+HK$5,355/mo
Deposit HK$2.02M · loan HK$18.16M · min. income ≈ HK$176,014/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$767,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,129
−HK$4,978/mo
▼ 0.25% · 3.875%
HK$94,600
−HK$2,507/mo
Today · 4.125%
HK$97,107
baseline
▲ 0.50% · 4.625%
HK$102,225
+HK$5,118/mo
Deposit HK$2.02M · loan HK$18.16M · min. income ≈ HK$194,214/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$767,646 · Scale 2, in force from 26 Feb 2026)