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$46,267
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$47,706
−HK$1,463/mo
Today · 4.125%
HK$49,169
baseline
▲ 0.50% · 4.625%
HK$52,160
+HK$2,991/mo
Deposit HK$10.15M · loan HK$10.15M · min. income ≈ HK$98,338/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$779,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,472
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$52,852
−HK$1,401/mo
Today · 4.125%
HK$54,253
baseline
▲ 0.50% · 4.625%
HK$57,113
+HK$2,860/mo
Deposit HK$10.15M · loan HK$10.15M · min. income ≈ HK$108,506/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$779,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,521
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$57,248
−HK$1,754/mo
Today · 4.125%
HK$59,002
baseline
▲ 0.50% · 4.625%
HK$62,593
+HK$3,591/mo
Deposit HK$8.12M · loan HK$12.17M · min. income ≈ HK$118,004/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$779,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,766
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$63,423
−HK$1,680/mo
Today · 4.125%
HK$65,103
baseline
▲ 0.50% · 4.625%
HK$68,535
+HK$3,432/mo
Deposit HK$8.12M · loan HK$12.17M · min. income ≈ HK$130,206/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$779,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,774
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$66,789
−HK$2,047/mo
Today · 4.125%
HK$68,836
baseline
▲ 0.50% · 4.625%
HK$73,025
+HK$4,189/mo
Deposit HK$6.09M · loan HK$14.20M · min. income ≈ HK$137,672/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$779,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,061
−HK$3,893/mo
▼ 0.25% · 3.875%
HK$73,993
−HK$1,961/mo
Today · 4.125%
HK$75,954
baseline
▲ 0.50% · 4.625%
HK$79,958
+HK$4,004/mo
Deposit HK$6.09M · loan HK$14.20M · min. income ≈ HK$151,908/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$779,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,281
−HK$5,223/mo
▼ 0.25% · 3.875%
HK$85,872
−HK$2,632/mo
Today · 4.125%
HK$88,504
baseline
▲ 0.50% · 4.625%
HK$93,889
+HK$5,385/mo
Deposit HK$2.03M · loan HK$18.26M · min. income ≈ HK$177,008/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$779,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,649
−HK$5,006/mo
▼ 0.25% · 3.875%
HK$95,134
−HK$2,521/mo
Today · 4.125%
HK$97,655
baseline
▲ 0.50% · 4.625%
HK$102,803
+HK$5,148/mo
Deposit HK$2.03M · loan HK$18.26M · min. income ≈ HK$195,310/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$779,040 · Scale 2, in force from 26 Feb 2026)