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$45,676
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$47,097
−HK$1,443/mo
Today · 4.125%
HK$48,540
baseline
▲ 0.50% · 4.625%
HK$51,494
+HK$2,954/mo
Deposit HK$10.02M · loan HK$10.02M · min. income ≈ HK$97,080/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$753,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,814
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$52,177
−HK$1,382/mo
Today · 4.125%
HK$53,559
baseline
▲ 0.50% · 4.625%
HK$56,382
+HK$2,823/mo
Deposit HK$10.02M · loan HK$10.02M · min. income ≈ HK$107,118/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$753,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,811
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$56,516
−HK$1,732/mo
Today · 4.125%
HK$58,248
baseline
▲ 0.50% · 4.625%
HK$61,792
+HK$3,544/mo
Deposit HK$8.01M · loan HK$12.02M · min. income ≈ HK$116,496/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$753,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,977
−HK$3,294/mo
▼ 0.25% · 3.875%
HK$62,612
−HK$1,659/mo
Today · 4.125%
HK$64,271
baseline
▲ 0.50% · 4.625%
HK$67,659
+HK$3,388/mo
Deposit HK$8.01M · loan HK$12.02M · min. income ≈ HK$128,542/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$753,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,946
−HK$4,010/mo
▼ 0.25% · 3.875%
HK$65,935
−HK$2,021/mo
Today · 4.125%
HK$67,956
baseline
▲ 0.50% · 4.625%
HK$72,091
+HK$4,135/mo
Deposit HK$6.01M · loan HK$14.02M · min. income ≈ HK$135,912/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$753,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,140
−HK$3,843/mo
▼ 0.25% · 3.875%
HK$73,047
−HK$1,936/mo
Today · 4.125%
HK$74,983
baseline
▲ 0.50% · 4.625%
HK$78,935
+HK$3,952/mo
Deposit HK$6.01M · loan HK$14.02M · min. income ≈ HK$149,966/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$753,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,217
−HK$5,155/mo
▼ 0.25% · 3.875%
HK$84,774
−HK$2,598/mo
Today · 4.125%
HK$87,372
baseline
▲ 0.50% · 4.625%
HK$92,689
+HK$5,317/mo
Deposit HK$2.00M · loan HK$18.03M · min. income ≈ HK$174,744/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$753,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,465
−HK$4,942/mo
▼ 0.25% · 3.875%
HK$93,918
−HK$2,489/mo
Today · 4.125%
HK$96,407
baseline
▲ 0.50% · 4.625%
HK$101,488
+HK$5,081/mo
Deposit HK$2.00M · loan HK$18.03M · min. income ≈ HK$192,814/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$753,103 · Scale 2, in force from 26 Feb 2026)