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$45,827
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$47,253
−HK$1,448/mo
Today · 4.125%
HK$48,701
baseline
▲ 0.50% · 4.625%
HK$51,664
+HK$2,963/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$97,402/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$759,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,982
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$52,350
−HK$1,387/mo
Today · 4.125%
HK$53,737
baseline
▲ 0.50% · 4.625%
HK$56,569
+HK$2,832/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$107,474/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$759,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,993
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$56,703
−HK$1,738/mo
Today · 4.125%
HK$58,441
baseline
▲ 0.50% · 4.625%
HK$61,997
+HK$3,556/mo
Deposit HK$8.04M · loan HK$12.06M · min. income ≈ HK$116,882/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$759,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,179
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$62,820
−HK$1,664/mo
Today · 4.125%
HK$64,484
baseline
▲ 0.50% · 4.625%
HK$67,883
+HK$3,399/mo
Deposit HK$8.04M · loan HK$12.06M · min. income ≈ HK$128,968/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$759,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,158
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$66,154
−HK$2,027/mo
Today · 4.125%
HK$68,181
baseline
▲ 0.50% · 4.625%
HK$72,330
+HK$4,149/mo
Deposit HK$6.03M · loan HK$14.07M · min. income ≈ HK$136,362/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$759,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,375
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$73,289
−HK$1,942/mo
Today · 4.125%
HK$75,231
baseline
▲ 0.50% · 4.625%
HK$79,197
+HK$3,966/mo
Deposit HK$6.03M · loan HK$14.07M · min. income ≈ HK$150,462/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$759,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,489
−HK$5,173/mo
▼ 0.25% · 3.875%
HK$85,055
−HK$2,607/mo
Today · 4.125%
HK$87,662
baseline
▲ 0.50% · 4.625%
HK$92,996
+HK$5,334/mo
Deposit HK$2.01M · loan HK$18.09M · min. income ≈ HK$175,324/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$759,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,768
−HK$4,958/mo
▼ 0.25% · 3.875%
HK$94,229
−HK$2,497/mo
Today · 4.125%
HK$96,726
baseline
▲ 0.50% · 4.625%
HK$101,825
+HK$5,099/mo
Deposit HK$2.01M · loan HK$18.09M · min. income ≈ HK$193,452/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$759,739 · Scale 2, in force from 26 Feb 2026)