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$46,132
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$47,567
−HK$1,458/mo
Today · 4.125%
HK$49,025
baseline
▲ 0.50% · 4.625%
HK$52,008
+HK$2,983/mo
Deposit HK$10.12M · loan HK$10.12M · min. income ≈ HK$98,050/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$773,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,322
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$52,698
−HK$1,397/mo
Today · 4.125%
HK$54,095
baseline
▲ 0.50% · 4.625%
HK$56,946
+HK$2,851/mo
Deposit HK$10.12M · loan HK$10.12M · min. income ≈ HK$108,190/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$773,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,359
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$57,081
−HK$1,749/mo
Today · 4.125%
HK$58,830
baseline
▲ 0.50% · 4.625%
HK$62,410
+HK$3,580/mo
Deposit HK$8.09M · loan HK$12.14M · min. income ≈ HK$117,660/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$773,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,586
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$63,238
−HK$1,676/mo
Today · 4.125%
HK$64,914
baseline
▲ 0.50% · 4.625%
HK$68,335
+HK$3,421/mo
Deposit HK$8.09M · loan HK$12.14M · min. income ≈ HK$129,828/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$773,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,585
−HK$4,050/mo
▼ 0.25% · 3.875%
HK$66,594
−HK$2,041/mo
Today · 4.125%
HK$68,635
baseline
▲ 0.50% · 4.625%
HK$72,812
+HK$4,177/mo
Deposit HK$6.07M · loan HK$14.16M · min. income ≈ HK$137,270/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$773,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,851
−HK$3,881/mo
▼ 0.25% · 3.875%
HK$73,778
−HK$1,954/mo
Today · 4.125%
HK$75,732
baseline
▲ 0.50% · 4.625%
HK$79,724
+HK$3,992/mo
Deposit HK$6.07M · loan HK$14.16M · min. income ≈ HK$151,464/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$773,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,038
−HK$5,208/mo
▼ 0.25% · 3.875%
HK$85,621
−HK$2,625/mo
Today · 4.125%
HK$88,246
baseline
▲ 0.50% · 4.625%
HK$93,615
+HK$5,369/mo
Deposit HK$2.02M · loan HK$18.21M · min. income ≈ HK$176,492/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$773,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,379
−HK$4,991/mo
▼ 0.25% · 3.875%
HK$94,857
−HK$2,513/mo
Today · 4.125%
HK$97,370
baseline
▲ 0.50% · 4.625%
HK$102,503
+HK$5,133/mo
Deposit HK$2.02M · loan HK$18.21M · min. income ≈ HK$194,740/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$773,124 · Scale 2, in force from 26 Feb 2026)