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$46,196
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$47,633
−HK$1,460/mo
Today · 4.125%
HK$49,093
baseline
▲ 0.50% · 4.625%
HK$52,081
+HK$2,988/mo
Deposit HK$10.13M · loan HK$10.13M · min. income ≈ HK$98,186/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$775,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,393
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$52,771
−HK$1,399/mo
Today · 4.125%
HK$54,170
baseline
▲ 0.50% · 4.625%
HK$57,025
+HK$2,855/mo
Deposit HK$10.13M · loan HK$10.13M · min. income ≈ HK$108,340/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$775,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,436
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$57,160
−HK$1,752/mo
Today · 4.125%
HK$58,912
baseline
▲ 0.50% · 4.625%
HK$62,497
+HK$3,585/mo
Deposit HK$8.10M · loan HK$12.16M · min. income ≈ HK$117,824/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$775,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,672
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$63,326
−HK$1,678/mo
Today · 4.125%
HK$65,004
baseline
▲ 0.50% · 4.625%
HK$68,430
+HK$3,426/mo
Deposit HK$8.10M · loan HK$12.16M · min. income ≈ HK$130,008/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$775,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,675
−HK$4,056/mo
▼ 0.25% · 3.875%
HK$66,687
−HK$2,044/mo
Today · 4.125%
HK$68,731
baseline
▲ 0.50% · 4.625%
HK$72,913
+HK$4,182/mo
Deposit HK$6.08M · loan HK$14.18M · min. income ≈ HK$137,462/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$775,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,950
−HK$3,887/mo
▼ 0.25% · 3.875%
HK$73,880
−HK$1,957/mo
Today · 4.125%
HK$75,837
baseline
▲ 0.50% · 4.625%
HK$79,835
+HK$3,998/mo
Deposit HK$6.08M · loan HK$14.18M · min. income ≈ HK$151,674/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$775,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,154
−HK$5,214/mo
▼ 0.25% · 3.875%
HK$85,740
−HK$2,628/mo
Today · 4.125%
HK$88,368
baseline
▲ 0.50% · 4.625%
HK$93,745
+HK$5,377/mo
Deposit HK$2.03M · loan HK$18.23M · min. income ≈ HK$176,736/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$775,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,507
−HK$4,998/mo
▼ 0.25% · 3.875%
HK$94,988
−HK$2,517/mo
Today · 4.125%
HK$97,505
baseline
▲ 0.50% · 4.625%
HK$102,645
+HK$5,140/mo
Deposit HK$2.03M · loan HK$18.23M · min. income ≈ HK$195,010/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$775,930 · Scale 2, in force from 26 Feb 2026)