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$46,457
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$47,902
−HK$1,468/mo
Today · 4.125%
HK$49,370
baseline
▲ 0.50% · 4.625%
HK$52,374
+HK$3,004/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$98,740/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$787,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,682
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$53,069
−HK$1,406/mo
Today · 4.125%
HK$54,475
baseline
▲ 0.50% · 4.625%
HK$57,346
+HK$2,871/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$108,950/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$787,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,748
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$57,482
−HK$1,762/mo
Today · 4.125%
HK$59,244
baseline
▲ 0.50% · 4.625%
HK$62,849
+HK$3,605/mo
Deposit HK$8.15M · loan HK$12.22M · min. income ≈ HK$118,488/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$787,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,019
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$63,682
−HK$1,688/mo
Today · 4.125%
HK$65,370
baseline
▲ 0.50% · 4.625%
HK$68,815
+HK$3,445/mo
Deposit HK$8.15M · loan HK$12.22M · min. income ≈ HK$130,740/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$787,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,039
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$67,062
−HK$2,056/mo
Today · 4.125%
HK$69,118
baseline
▲ 0.50% · 4.625%
HK$73,323
+HK$4,205/mo
Deposit HK$6.11M · loan HK$14.26M · min. income ≈ HK$138,236/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$787,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,355
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$74,296
−HK$1,969/mo
Today · 4.125%
HK$76,265
baseline
▲ 0.50% · 4.625%
HK$80,285
+HK$4,020/mo
Deposit HK$6.11M · loan HK$14.26M · min. income ≈ HK$152,530/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$787,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,622
−HK$5,244/mo
▼ 0.25% · 3.875%
HK$86,223
−HK$2,643/mo
Today · 4.125%
HK$88,866
baseline
▲ 0.50% · 4.625%
HK$94,273
+HK$5,407/mo
Deposit HK$2.04M · loan HK$18.34M · min. income ≈ HK$177,732/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$787,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,028
−HK$5,026/mo
▼ 0.25% · 3.875%
HK$95,523
−HK$2,531/mo
Today · 4.125%
HK$98,054
baseline
▲ 0.50% · 4.625%
HK$103,223
+HK$5,169/mo
Deposit HK$2.04M · loan HK$18.34M · min. income ≈ HK$196,108/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$787,339 · Scale 2, in force from 26 Feb 2026)