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$45,745
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$47,167
−HK$1,446/mo
Today · 4.125%
HK$48,613
baseline
▲ 0.50% · 4.625%
HK$51,571
+HK$2,958/mo
Deposit HK$10.03M · loan HK$10.03M · min. income ≈ HK$97,226/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$756,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,890
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$52,255
−HK$1,385/mo
Today · 4.125%
HK$53,640
baseline
▲ 0.50% · 4.625%
HK$56,467
+HK$2,827/mo
Deposit HK$10.03M · loan HK$10.03M · min. income ≈ HK$107,280/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$756,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,893
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$56,601
−HK$1,735/mo
Today · 4.125%
HK$58,336
baseline
▲ 0.50% · 4.625%
HK$61,885
+HK$3,549/mo
Deposit HK$8.02M · loan HK$12.04M · min. income ≈ HK$116,672/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$756,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,068
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$62,706
−HK$1,662/mo
Today · 4.125%
HK$64,368
baseline
▲ 0.50% · 4.625%
HK$67,761
+HK$3,393/mo
Deposit HK$8.02M · loan HK$12.04M · min. income ≈ HK$128,736/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$756,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,042
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$66,034
−HK$2,024/mo
Today · 4.125%
HK$68,058
baseline
▲ 0.50% · 4.625%
HK$72,200
+HK$4,142/mo
Deposit HK$6.02M · loan HK$14.04M · min. income ≈ HK$136,116/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$756,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,246
−HK$3,850/mo
▼ 0.25% · 3.875%
HK$73,157
−HK$1,939/mo
Today · 4.125%
HK$75,096
baseline
▲ 0.50% · 4.625%
HK$79,054
+HK$3,958/mo
Deposit HK$6.02M · loan HK$14.04M · min. income ≈ HK$150,192/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$756,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,340
−HK$5,164/mo
▼ 0.25% · 3.875%
HK$84,901
−HK$2,603/mo
Today · 4.125%
HK$87,504
baseline
▲ 0.50% · 4.625%
HK$92,828
+HK$5,324/mo
Deposit HK$2.01M · loan HK$18.06M · min. income ≈ HK$175,008/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$756,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,603
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$94,059
−HK$2,493/mo
Today · 4.125%
HK$96,552
baseline
▲ 0.50% · 4.625%
HK$101,641
+HK$5,089/mo
Deposit HK$2.01M · loan HK$18.06M · min. income ≈ HK$193,104/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$756,115 · Scale 2, in force from 26 Feb 2026)