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$45,877
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$47,304
−HK$1,450/mo
Today · 4.125%
HK$48,754
baseline
▲ 0.50% · 4.625%
HK$51,721
+HK$2,967/mo
Deposit HK$10.06M · loan HK$10.06M · min. income ≈ HK$97,508/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$761,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,038
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$52,407
−HK$1,388/mo
Today · 4.125%
HK$53,795
baseline
▲ 0.50% · 4.625%
HK$56,631
+HK$2,836/mo
Deposit HK$10.06M · loan HK$10.06M · min. income ≈ HK$107,590/mo (50% DSR)
Upfront cash ≈ HK$10.82M (deposit + AVD stamp duty HK$761,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,053
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$56,765
−HK$1,740/mo
Today · 4.125%
HK$58,505
baseline
▲ 0.50% · 4.625%
HK$62,065
+HK$3,560/mo
Deposit HK$8.05M · loan HK$12.07M · min. income ≈ HK$117,010/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$761,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,246
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$62,888
−HK$1,667/mo
Today · 4.125%
HK$64,555
baseline
▲ 0.50% · 4.625%
HK$67,957
+HK$3,402/mo
Deposit HK$8.05M · loan HK$12.07M · min. income ≈ HK$129,110/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$761,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,228
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$66,226
−HK$2,030/mo
Today · 4.125%
HK$68,256
baseline
▲ 0.50% · 4.625%
HK$72,409
+HK$4,153/mo
Deposit HK$6.04M · loan HK$14.08M · min. income ≈ HK$136,512/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$761,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,453
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$73,370
−HK$1,944/mo
Today · 4.125%
HK$75,314
baseline
▲ 0.50% · 4.625%
HK$79,284
+HK$3,970/mo
Deposit HK$6.04M · loan HK$14.08M · min. income ≈ HK$150,628/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$761,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,579
−HK$5,179/mo
▼ 0.25% · 3.875%
HK$85,148
−HK$2,610/mo
Today · 4.125%
HK$87,758
baseline
▲ 0.50% · 4.625%
HK$93,097
+HK$5,339/mo
Deposit HK$2.01M · loan HK$18.11M · min. income ≈ HK$175,516/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$761,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,869
−HK$4,963/mo
▼ 0.25% · 3.875%
HK$94,332
−HK$2,500/mo
Today · 4.125%
HK$96,832
baseline
▲ 0.50% · 4.625%
HK$101,936
+HK$5,104/mo
Deposit HK$2.01M · loan HK$18.11M · min. income ≈ HK$193,664/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$761,937 · Scale 2, in force from 26 Feb 2026)