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$46,292
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$47,732
−HK$1,463/mo
Today · 4.125%
HK$49,195
baseline
▲ 0.50% · 4.625%
HK$52,189
+HK$2,994/mo
Deposit HK$10.15M · loan HK$10.15M · min. income ≈ HK$98,390/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$780,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,500
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$52,881
−HK$1,401/mo
Today · 4.125%
HK$54,282
baseline
▲ 0.50% · 4.625%
HK$57,144
+HK$2,862/mo
Deposit HK$10.15M · loan HK$10.15M · min. income ≈ HK$108,564/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$780,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,551
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$57,279
−HK$1,756/mo
Today · 4.125%
HK$59,035
baseline
▲ 0.50% · 4.625%
HK$62,627
+HK$3,592/mo
Deposit HK$8.12M · loan HK$12.18M · min. income ≈ HK$118,070/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$780,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,800
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$63,457
−HK$1,682/mo
Today · 4.125%
HK$65,139
baseline
▲ 0.50% · 4.625%
HK$68,572
+HK$3,433/mo
Deposit HK$8.12M · loan HK$12.18M · min. income ≈ HK$130,278/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$780,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,809
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$66,825
−HK$2,049/mo
Today · 4.125%
HK$68,874
baseline
▲ 0.50% · 4.625%
HK$73,064
+HK$4,190/mo
Deposit HK$6.09M · loan HK$14.21M · min. income ≈ HK$137,748/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$780,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,100
−HK$3,895/mo
▼ 0.25% · 3.875%
HK$74,034
−HK$1,961/mo
Today · 4.125%
HK$75,995
baseline
▲ 0.50% · 4.625%
HK$80,001
+HK$4,006/mo
Deposit HK$6.09M · loan HK$14.21M · min. income ≈ HK$151,990/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$780,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,326
−HK$5,226/mo
▼ 0.25% · 3.875%
HK$85,918
−HK$2,634/mo
Today · 4.125%
HK$88,552
baseline
▲ 0.50% · 4.625%
HK$93,940
+HK$5,388/mo
Deposit HK$2.03M · loan HK$18.27M · min. income ≈ HK$177,104/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$780,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,700
−HK$5,008/mo
▼ 0.25% · 3.875%
HK$95,186
−HK$2,522/mo
Today · 4.125%
HK$97,708
baseline
▲ 0.50% · 4.625%
HK$102,858
+HK$5,150/mo
Deposit HK$2.03M · loan HK$18.27M · min. income ≈ HK$195,416/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$780,144 · Scale 2, in force from 26 Feb 2026)