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$45,748
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$47,171
−HK$1,445/mo
Today · 4.125%
HK$48,616
baseline
▲ 0.50% · 4.625%
HK$51,574
+HK$2,958/mo
Deposit HK$10.03M · loan HK$10.03M · min. income ≈ HK$97,232/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$756,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,894
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$52,259
−HK$1,384/mo
Today · 4.125%
HK$53,643
baseline
▲ 0.50% · 4.625%
HK$56,471
+HK$2,828/mo
Deposit HK$10.03M · loan HK$10.03M · min. income ≈ HK$107,286/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$756,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,897
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$56,605
−HK$1,735/mo
Today · 4.125%
HK$58,340
baseline
▲ 0.50% · 4.625%
HK$61,889
+HK$3,549/mo
Deposit HK$8.02M · loan HK$12.04M · min. income ≈ HK$116,680/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$756,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,072
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$62,710
−HK$1,662/mo
Today · 4.125%
HK$64,372
baseline
▲ 0.50% · 4.625%
HK$67,765
+HK$3,393/mo
Deposit HK$8.02M · loan HK$12.04M · min. income ≈ HK$128,744/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$756,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,047
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$66,039
−HK$2,024/mo
Today · 4.125%
HK$68,063
baseline
▲ 0.50% · 4.625%
HK$72,204
+HK$4,141/mo
Deposit HK$6.02M · loan HK$14.04M · min. income ≈ HK$136,126/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$756,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,251
−HK$3,850/mo
▼ 0.25% · 3.875%
HK$73,162
−HK$1,939/mo
Today · 4.125%
HK$75,101
baseline
▲ 0.50% · 4.625%
HK$79,059
+HK$3,958/mo
Deposit HK$6.02M · loan HK$14.04M · min. income ≈ HK$150,202/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$756,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,346
−HK$5,163/mo
▼ 0.25% · 3.875%
HK$84,907
−HK$2,602/mo
Today · 4.125%
HK$87,509
baseline
▲ 0.50% · 4.625%
HK$92,834
+HK$5,325/mo
Deposit HK$2.01M · loan HK$18.06M · min. income ≈ HK$175,018/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$756,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,609
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$94,065
−HK$2,493/mo
Today · 4.125%
HK$96,558
baseline
▲ 0.50% · 4.625%
HK$101,648
+HK$5,090/mo
Deposit HK$2.01M · loan HK$18.06M · min. income ≈ HK$193,116/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$756,244 · Scale 2, in force from 26 Feb 2026)