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$46,015
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$47,446
−HK$1,455/mo
Today · 4.125%
HK$48,901
baseline
▲ 0.50% · 4.625%
HK$51,876
+HK$2,975/mo
Deposit HK$10.09M · loan HK$10.09M · min. income ≈ HK$97,802/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$767,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,191
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$52,564
−HK$1,393/mo
Today · 4.125%
HK$53,957
baseline
▲ 0.50% · 4.625%
HK$56,801
+HK$2,844/mo
Deposit HK$10.09M · loan HK$10.09M · min. income ≈ HK$107,914/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$767,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,218
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$56,936
−HK$1,745/mo
Today · 4.125%
HK$58,681
baseline
▲ 0.50% · 4.625%
HK$62,251
+HK$3,570/mo
Deposit HK$8.07M · loan HK$12.11M · min. income ≈ HK$117,362/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$767,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,430
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$63,077
−HK$1,671/mo
Today · 4.125%
HK$64,748
baseline
▲ 0.50% · 4.625%
HK$68,161
+HK$3,413/mo
Deposit HK$8.07M · loan HK$12.11M · min. income ≈ HK$129,496/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$767,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,421
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$66,425
−HK$2,036/mo
Today · 4.125%
HK$68,461
baseline
▲ 0.50% · 4.625%
HK$72,627
+HK$4,166/mo
Deposit HK$6.05M · loan HK$14.13M · min. income ≈ HK$136,922/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$767,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,668
−HK$3,872/mo
▼ 0.25% · 3.875%
HK$73,590
−HK$1,950/mo
Today · 4.125%
HK$75,540
baseline
▲ 0.50% · 4.625%
HK$79,522
+HK$3,982/mo
Deposit HK$6.05M · loan HK$14.13M · min. income ≈ HK$151,080/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$767,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,827
−HK$5,194/mo
▼ 0.25% · 3.875%
HK$85,404
−HK$2,617/mo
Today · 4.125%
HK$88,021
baseline
▲ 0.50% · 4.625%
HK$93,377
+HK$5,356/mo
Deposit HK$2.02M · loan HK$18.16M · min. income ≈ HK$176,042/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$767,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,144
−HK$4,979/mo
▼ 0.25% · 3.875%
HK$94,616
−HK$2,507/mo
Today · 4.125%
HK$97,123
baseline
▲ 0.50% · 4.625%
HK$102,242
+HK$5,119/mo
Deposit HK$2.02M · loan HK$18.16M · min. income ≈ HK$194,246/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$767,979 · Scale 2, in force from 26 Feb 2026)