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$46,207
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$47,644
−HK$1,461/mo
Today · 4.125%
HK$49,105
baseline
▲ 0.50% · 4.625%
HK$52,093
+HK$2,988/mo
Deposit HK$10.13M · loan HK$10.13M · min. income ≈ HK$98,210/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$776,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,405
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$52,784
−HK$1,398/mo
Today · 4.125%
HK$54,182
baseline
▲ 0.50% · 4.625%
HK$57,038
+HK$2,856/mo
Deposit HK$10.13M · loan HK$10.13M · min. income ≈ HK$108,364/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$776,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,449
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$57,173
−HK$1,753/mo
Today · 4.125%
HK$58,926
baseline
▲ 0.50% · 4.625%
HK$62,511
+HK$3,585/mo
Deposit HK$8.11M · loan HK$12.16M · min. income ≈ HK$117,852/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$776,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,686
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$63,340
−HK$1,679/mo
Today · 4.125%
HK$65,019
baseline
▲ 0.50% · 4.625%
HK$68,446
+HK$3,427/mo
Deposit HK$8.11M · loan HK$12.16M · min. income ≈ HK$130,038/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$776,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,690
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$66,702
−HK$2,045/mo
Today · 4.125%
HK$68,747
baseline
▲ 0.50% · 4.625%
HK$72,930
+HK$4,183/mo
Deposit HK$6.08M · loan HK$14.18M · min. income ≈ HK$137,494/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$776,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,967
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$73,897
−HK$1,958/mo
Today · 4.125%
HK$75,855
baseline
▲ 0.50% · 4.625%
HK$79,854
+HK$3,999/mo
Deposit HK$6.08M · loan HK$14.18M · min. income ≈ HK$151,710/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$776,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,173
−HK$5,216/mo
▼ 0.25% · 3.875%
HK$85,760
−HK$2,629/mo
Today · 4.125%
HK$88,389
baseline
▲ 0.50% · 4.625%
HK$93,767
+HK$5,378/mo
Deposit HK$2.03M · loan HK$18.24M · min. income ≈ HK$176,778/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$776,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,529
−HK$4,999/mo
▼ 0.25% · 3.875%
HK$95,011
−HK$2,517/mo
Today · 4.125%
HK$97,528
baseline
▲ 0.50% · 4.625%
HK$102,669
+HK$5,141/mo
Deposit HK$2.03M · loan HK$18.24M · min. income ≈ HK$195,056/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$776,402 · Scale 2, in force from 26 Feb 2026)