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$45,851
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$47,277
−HK$1,450/mo
Today · 4.125%
HK$48,727
baseline
▲ 0.50% · 4.625%
HK$51,691
+HK$2,964/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$97,454/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$760,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,009
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$52,377
−HK$1,388/mo
Today · 4.125%
HK$53,765
baseline
▲ 0.50% · 4.625%
HK$56,599
+HK$2,834/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$107,530/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$760,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,021
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$56,733
−HK$1,739/mo
Today · 4.125%
HK$58,472
baseline
▲ 0.50% · 4.625%
HK$62,030
+HK$3,558/mo
Deposit HK$8.04M · loan HK$12.06M · min. income ≈ HK$116,944/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$760,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,211
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$62,852
−HK$1,666/mo
Today · 4.125%
HK$64,518
baseline
▲ 0.50% · 4.625%
HK$67,919
+HK$3,401/mo
Deposit HK$8.04M · loan HK$12.06M · min. income ≈ HK$129,036/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$760,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,192
−HK$4,025/mo
▼ 0.25% · 3.875%
HK$66,188
−HK$2,029/mo
Today · 4.125%
HK$68,217
baseline
▲ 0.50% · 4.625%
HK$72,368
+HK$4,151/mo
Deposit HK$6.03M · loan HK$14.08M · min. income ≈ HK$136,434/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$760,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,413
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$73,328
−HK$1,943/mo
Today · 4.125%
HK$75,271
baseline
▲ 0.50% · 4.625%
HK$79,238
+HK$3,967/mo
Deposit HK$6.03M · loan HK$14.08M · min. income ≈ HK$150,542/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$760,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,532
−HK$5,176/mo
▼ 0.25% · 3.875%
HK$85,099
−HK$2,609/mo
Today · 4.125%
HK$87,708
baseline
▲ 0.50% · 4.625%
HK$93,045
+HK$5,337/mo
Deposit HK$2.01M · loan HK$18.10M · min. income ≈ HK$175,416/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$760,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,816
−HK$4,961/mo
▼ 0.25% · 3.875%
HK$94,279
−HK$2,498/mo
Today · 4.125%
HK$96,777
baseline
▲ 0.50% · 4.625%
HK$101,878
+HK$5,101/mo
Deposit HK$2.01M · loan HK$18.10M · min. income ≈ HK$193,554/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$760,793 · Scale 2, in force from 26 Feb 2026)