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$45,693
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$47,114
−HK$1,444/mo
Today · 4.125%
HK$48,558
baseline
▲ 0.50% · 4.625%
HK$51,513
+HK$2,955/mo
Deposit HK$10.02M · loan HK$10.02M · min. income ≈ HK$97,116/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$753,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,833
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$52,196
−HK$1,383/mo
Today · 4.125%
HK$53,579
baseline
▲ 0.50% · 4.625%
HK$56,404
+HK$2,825/mo
Deposit HK$10.02M · loan HK$10.02M · min. income ≈ HK$107,158/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$753,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,832
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$56,537
−HK$1,733/mo
Today · 4.125%
HK$58,270
baseline
▲ 0.50% · 4.625%
HK$61,816
+HK$3,546/mo
Deposit HK$8.02M · loan HK$12.02M · min. income ≈ HK$116,540/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$753,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,000
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$62,635
−HK$1,660/mo
Today · 4.125%
HK$64,295
baseline
▲ 0.50% · 4.625%
HK$67,684
+HK$3,389/mo
Deposit HK$8.02M · loan HK$12.02M · min. income ≈ HK$128,590/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$753,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,970
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$65,960
−HK$2,022/mo
Today · 4.125%
HK$67,982
baseline
▲ 0.50% · 4.625%
HK$72,118
+HK$4,136/mo
Deposit HK$6.01M · loan HK$14.03M · min. income ≈ HK$135,964/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$753,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,166
−HK$3,845/mo
▼ 0.25% · 3.875%
HK$73,075
−HK$1,936/mo
Today · 4.125%
HK$75,011
baseline
▲ 0.50% · 4.625%
HK$78,965
+HK$3,954/mo
Deposit HK$6.01M · loan HK$14.03M · min. income ≈ HK$150,022/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$753,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,247
−HK$5,158/mo
▼ 0.25% · 3.875%
HK$84,806
−HK$2,599/mo
Today · 4.125%
HK$87,405
baseline
▲ 0.50% · 4.625%
HK$92,723
+HK$5,318/mo
Deposit HK$2.00M · loan HK$18.03M · min. income ≈ HK$174,810/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$753,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,499
−HK$4,944/mo
▼ 0.25% · 3.875%
HK$93,953
−HK$2,490/mo
Today · 4.125%
HK$96,443
baseline
▲ 0.50% · 4.625%
HK$101,526
+HK$5,083/mo
Deposit HK$2.00M · loan HK$18.03M · min. income ≈ HK$192,886/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$753,851 · Scale 2, in force from 26 Feb 2026)