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$46,489
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$47,935
−HK$1,469/mo
Today · 4.125%
HK$49,404
baseline
▲ 0.50% · 4.625%
HK$52,411
+HK$3,007/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$98,808/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$788,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,719
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$53,106
−HK$1,407/mo
Today · 4.125%
HK$54,513
baseline
▲ 0.50% · 4.625%
HK$57,386
+HK$2,873/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$109,026/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$788,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,787
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$57,522
−HK$1,763/mo
Today · 4.125%
HK$59,285
baseline
▲ 0.50% · 4.625%
HK$62,893
+HK$3,608/mo
Deposit HK$8.16M · loan HK$12.23M · min. income ≈ HK$118,570/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$788,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,063
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$63,727
−HK$1,689/mo
Today · 4.125%
HK$65,416
baseline
▲ 0.50% · 4.625%
HK$68,864
+HK$3,448/mo
Deposit HK$8.16M · loan HK$12.23M · min. income ≈ HK$130,832/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$788,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,085
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$67,109
−HK$2,057/mo
Today · 4.125%
HK$69,166
baseline
▲ 0.50% · 4.625%
HK$73,375
+HK$4,209/mo
Deposit HK$6.12M · loan HK$14.27M · min. income ≈ HK$138,332/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$788,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,406
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$74,348
−HK$1,970/mo
Today · 4.125%
HK$76,318
baseline
▲ 0.50% · 4.625%
HK$80,341
+HK$4,023/mo
Deposit HK$6.12M · loan HK$14.27M · min. income ≈ HK$152,636/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$788,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,681
−HK$5,247/mo
▼ 0.25% · 3.875%
HK$86,283
−HK$2,645/mo
Today · 4.125%
HK$88,928
baseline
▲ 0.50% · 4.625%
HK$94,339
+HK$5,411/mo
Deposit HK$2.04M · loan HK$18.35M · min. income ≈ HK$177,856/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$788,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,094
−HK$5,029/mo
▼ 0.25% · 3.875%
HK$95,590
−HK$2,533/mo
Today · 4.125%
HK$98,123
baseline
▲ 0.50% · 4.625%
HK$103,296
+HK$5,173/mo
Deposit HK$2.04M · loan HK$18.35M · min. income ≈ HK$196,246/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$788,771 · Scale 2, in force from 26 Feb 2026)