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$45,732
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$47,155
−HK$1,445/mo
Today · 4.125%
HK$48,600
baseline
▲ 0.50% · 4.625%
HK$51,557
+HK$2,957/mo
Deposit HK$10.03M · loan HK$10.03M · min. income ≈ HK$97,200/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$755,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,877
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$52,241
−HK$1,384/mo
Today · 4.125%
HK$53,625
baseline
▲ 0.50% · 4.625%
HK$56,452
+HK$2,827/mo
Deposit HK$10.03M · loan HK$10.03M · min. income ≈ HK$107,250/mo (50% DSR)
Upfront cash ≈ HK$10.78M (deposit + AVD stamp duty HK$755,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,879
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$56,586
−HK$1,734/mo
Today · 4.125%
HK$58,320
baseline
▲ 0.50% · 4.625%
HK$61,869
+HK$3,549/mo
Deposit HK$8.02M · loan HK$12.03M · min. income ≈ HK$116,640/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$755,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,052
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$62,689
−HK$1,661/mo
Today · 4.125%
HK$64,350
baseline
▲ 0.50% · 4.625%
HK$67,742
+HK$3,392/mo
Deposit HK$8.02M · loan HK$12.03M · min. income ≈ HK$128,700/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$755,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,025
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$66,017
−HK$2,023/mo
Today · 4.125%
HK$68,040
baseline
▲ 0.50% · 4.625%
HK$72,180
+HK$4,140/mo
Deposit HK$6.02M · loan HK$14.04M · min. income ≈ HK$136,080/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$755,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,227
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$73,138
−HK$1,937/mo
Today · 4.125%
HK$75,075
baseline
▲ 0.50% · 4.625%
HK$79,033
+HK$3,958/mo
Deposit HK$6.02M · loan HK$14.04M · min. income ≈ HK$150,150/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$755,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,318
−HK$5,162/mo
▼ 0.25% · 3.875%
HK$84,879
−HK$2,601/mo
Today · 4.125%
HK$87,480
baseline
▲ 0.50% · 4.625%
HK$92,803
+HK$5,323/mo
Deposit HK$2.01M · loan HK$18.05M · min. income ≈ HK$174,960/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$755,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,578
−HK$4,948/mo
▼ 0.25% · 3.875%
HK$94,034
−HK$2,492/mo
Today · 4.125%
HK$96,526
baseline
▲ 0.50% · 4.625%
HK$101,614
+HK$5,088/mo
Deposit HK$2.01M · loan HK$18.05M · min. income ≈ HK$193,052/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$755,574 · Scale 2, in force from 26 Feb 2026)