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$46,090
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$47,524
−HK$1,457/mo
Today · 4.125%
HK$48,981
baseline
▲ 0.50% · 4.625%
HK$51,961
+HK$2,980/mo
Deposit HK$10.11M · loan HK$10.11M · min. income ≈ HK$97,962/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$771,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,275
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$52,650
−HK$1,395/mo
Today · 4.125%
HK$54,045
baseline
▲ 0.50% · 4.625%
HK$56,894
+HK$2,849/mo
Deposit HK$10.11M · loan HK$10.11M · min. income ≈ HK$108,090/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$771,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,308
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$57,029
−HK$1,748/mo
Today · 4.125%
HK$58,777
baseline
▲ 0.50% · 4.625%
HK$62,353
+HK$3,576/mo
Deposit HK$8.09M · loan HK$12.13M · min. income ≈ HK$117,554/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$771,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,530
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$63,180
−HK$1,674/mo
Today · 4.125%
HK$64,854
baseline
▲ 0.50% · 4.625%
HK$68,273
+HK$3,419/mo
Deposit HK$8.09M · loan HK$12.13M · min. income ≈ HK$129,708/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$771,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,526
−HK$4,047/mo
▼ 0.25% · 3.875%
HK$66,534
−HK$2,039/mo
Today · 4.125%
HK$68,573
baseline
▲ 0.50% · 4.625%
HK$72,745
+HK$4,172/mo
Deposit HK$6.06M · loan HK$14.15M · min. income ≈ HK$137,146/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$771,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,785
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$73,710
−HK$1,953/mo
Today · 4.125%
HK$75,663
baseline
▲ 0.50% · 4.625%
HK$79,652
+HK$3,989/mo
Deposit HK$6.06M · loan HK$14.15M · min. income ≈ HK$151,326/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$771,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,963
−HK$5,202/mo
▼ 0.25% · 3.875%
HK$85,543
−HK$2,622/mo
Today · 4.125%
HK$88,165
baseline
▲ 0.50% · 4.625%
HK$93,530
+HK$5,365/mo
Deposit HK$2.02M · loan HK$18.19M · min. income ≈ HK$176,330/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$771,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,295
−HK$4,986/mo
▼ 0.25% · 3.875%
HK$94,770
−HK$2,511/mo
Today · 4.125%
HK$97,281
baseline
▲ 0.50% · 4.625%
HK$102,409
+HK$5,128/mo
Deposit HK$2.02M · loan HK$18.19M · min. income ≈ HK$194,562/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$771,277 · Scale 2, in force from 26 Feb 2026)