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$45,772
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$47,196
−HK$1,447/mo
Today · 4.125%
HK$48,643
baseline
▲ 0.50% · 4.625%
HK$51,602
+HK$2,959/mo
Deposit HK$10.04M · loan HK$10.04M · min. income ≈ HK$97,286/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$757,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,921
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$52,287
−HK$1,385/mo
Today · 4.125%
HK$53,672
baseline
▲ 0.50% · 4.625%
HK$56,501
+HK$2,829/mo
Deposit HK$10.04M · loan HK$10.04M · min. income ≈ HK$107,344/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$757,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,927
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$56,635
−HK$1,736/mo
Today · 4.125%
HK$58,371
baseline
▲ 0.50% · 4.625%
HK$61,923
+HK$3,552/mo
Deposit HK$8.03M · loan HK$12.04M · min. income ≈ HK$116,742/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$757,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,105
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$62,744
−HK$1,663/mo
Today · 4.125%
HK$64,407
baseline
▲ 0.50% · 4.625%
HK$67,802
+HK$3,395/mo
Deposit HK$8.03M · loan HK$12.04M · min. income ≈ HK$128,814/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$757,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,081
−HK$4,019/mo
▼ 0.25% · 3.875%
HK$66,074
−HK$2,026/mo
Today · 4.125%
HK$68,100
baseline
▲ 0.50% · 4.625%
HK$72,243
+HK$4,143/mo
Deposit HK$6.02M · loan HK$14.05M · min. income ≈ HK$136,200/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$757,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,290
−HK$3,851/mo
▼ 0.25% · 3.875%
HK$73,202
−HK$1,939/mo
Today · 4.125%
HK$75,141
baseline
▲ 0.50% · 4.625%
HK$79,102
+HK$3,961/mo
Deposit HK$6.02M · loan HK$14.05M · min. income ≈ HK$150,282/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$757,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,390
−HK$5,167/mo
▼ 0.25% · 3.875%
HK$84,953
−HK$2,604/mo
Today · 4.125%
HK$87,557
baseline
▲ 0.50% · 4.625%
HK$92,884
+HK$5,327/mo
Deposit HK$2.01M · loan HK$18.07M · min. income ≈ HK$175,114/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$757,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,658
−HK$4,952/mo
▼ 0.25% · 3.875%
HK$94,116
−HK$2,494/mo
Today · 4.125%
HK$96,610
baseline
▲ 0.50% · 4.625%
HK$101,703
+HK$5,093/mo
Deposit HK$2.01M · loan HK$18.07M · min. income ≈ HK$193,220/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$757,331 · Scale 2, in force from 26 Feb 2026)