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$46,001
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$47,432
−HK$1,454/mo
Today · 4.125%
HK$48,886
baseline
▲ 0.50% · 4.625%
HK$51,860
+HK$2,974/mo
Deposit HK$10.09M · loan HK$10.09M · min. income ≈ HK$97,772/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$767,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,176
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$52,548
−HK$1,392/mo
Today · 4.125%
HK$53,940
baseline
▲ 0.50% · 4.625%
HK$56,784
+HK$2,844/mo
Deposit HK$10.09M · loan HK$10.09M · min. income ≈ HK$107,880/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$767,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,201
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$56,918
−HK$1,745/mo
Today · 4.125%
HK$58,663
baseline
▲ 0.50% · 4.625%
HK$62,232
+HK$3,569/mo
Deposit HK$8.07M · loan HK$12.10M · min. income ≈ HK$117,326/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$767,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,411
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$63,058
−HK$1,671/mo
Today · 4.125%
HK$64,729
baseline
▲ 0.50% · 4.625%
HK$68,140
+HK$3,411/mo
Deposit HK$8.07M · loan HK$12.10M · min. income ≈ HK$129,458/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$767,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,401
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$66,405
−HK$2,035/mo
Today · 4.125%
HK$68,440
baseline
▲ 0.50% · 4.625%
HK$72,604
+HK$4,164/mo
Deposit HK$6.05M · loan HK$14.12M · min. income ≈ HK$136,880/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$767,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,646
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$73,567
−HK$1,950/mo
Today · 4.125%
HK$75,517
baseline
▲ 0.50% · 4.625%
HK$79,497
+HK$3,980/mo
Deposit HK$6.05M · loan HK$14.12M · min. income ≈ HK$151,034/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$767,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,802
−HK$5,192/mo
▼ 0.25% · 3.875%
HK$85,377
−HK$2,617/mo
Today · 4.125%
HK$87,994
baseline
▲ 0.50% · 4.625%
HK$93,348
+HK$5,354/mo
Deposit HK$2.02M · loan HK$18.16M · min. income ≈ HK$175,988/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$767,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,116
−HK$4,977/mo
▼ 0.25% · 3.875%
HK$94,587
−HK$2,506/mo
Today · 4.125%
HK$97,093
baseline
▲ 0.50% · 4.625%
HK$102,211
+HK$5,118/mo
Deposit HK$2.02M · loan HK$18.16M · min. income ≈ HK$194,186/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$767,359 · Scale 2, in force from 26 Feb 2026)