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$45,961
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$47,391
−HK$1,452/mo
Today · 4.125%
HK$48,843
baseline
▲ 0.50% · 4.625%
HK$51,815
+HK$2,972/mo
Deposit HK$10.08M · loan HK$10.08M · min. income ≈ HK$97,686/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$765,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,131
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$52,502
−HK$1,391/mo
Today · 4.125%
HK$53,893
baseline
▲ 0.50% · 4.625%
HK$56,734
+HK$2,841/mo
Deposit HK$10.08M · loan HK$10.08M · min. income ≈ HK$107,786/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$765,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,153
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$56,869
−HK$1,743/mo
Today · 4.125%
HK$58,612
baseline
▲ 0.50% · 4.625%
HK$62,178
+HK$3,566/mo
Deposit HK$8.06M · loan HK$12.09M · min. income ≈ HK$117,224/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$765,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,357
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$63,003
−HK$1,669/mo
Today · 4.125%
HK$64,672
baseline
▲ 0.50% · 4.625%
HK$68,081
+HK$3,409/mo
Deposit HK$8.06M · loan HK$12.09M · min. income ≈ HK$129,344/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$765,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,345
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$66,347
−HK$2,033/mo
Today · 4.125%
HK$68,380
baseline
▲ 0.50% · 4.625%
HK$72,541
+HK$4,161/mo
Deposit HK$6.05M · loan HK$14.11M · min. income ≈ HK$136,760/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$765,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,583
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$73,503
−HK$1,948/mo
Today · 4.125%
HK$75,451
baseline
▲ 0.50% · 4.625%
HK$79,428
+HK$3,977/mo
Deposit HK$6.05M · loan HK$14.11M · min. income ≈ HK$150,902/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$765,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,730
−HK$5,187/mo
▼ 0.25% · 3.875%
HK$85,303
−HK$2,614/mo
Today · 4.125%
HK$87,917
baseline
▲ 0.50% · 4.625%
HK$93,267
+HK$5,350/mo
Deposit HK$2.02M · loan HK$18.14M · min. income ≈ HK$175,834/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$765,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,036
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$94,504
−HK$2,504/mo
Today · 4.125%
HK$97,008
baseline
▲ 0.50% · 4.625%
HK$102,122
+HK$5,114/mo
Deposit HK$2.02M · loan HK$18.14M · min. income ≈ HK$194,016/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$765,602 · Scale 2, in force from 26 Feb 2026)