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$46,263
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$47,702
−HK$1,462/mo
Today · 4.125%
HK$49,164
baseline
▲ 0.50% · 4.625%
HK$52,155
+HK$2,991/mo
Deposit HK$10.14M · loan HK$10.14M · min. income ≈ HK$98,328/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$778,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,467
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$52,847
−HK$1,400/mo
Today · 4.125%
HK$54,247
baseline
▲ 0.50% · 4.625%
HK$57,107
+HK$2,860/mo
Deposit HK$10.14M · loan HK$10.14M · min. income ≈ HK$108,494/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$778,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,515
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$57,242
−HK$1,754/mo
Today · 4.125%
HK$58,996
baseline
▲ 0.50% · 4.625%
HK$62,586
+HK$3,590/mo
Deposit HK$8.12M · loan HK$12.17M · min. income ≈ HK$117,992/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$778,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,760
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$63,416
−HK$1,681/mo
Today · 4.125%
HK$65,097
baseline
▲ 0.50% · 4.625%
HK$68,528
+HK$3,431/mo
Deposit HK$8.12M · loan HK$12.17M · min. income ≈ HK$130,194/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$778,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,768
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$66,782
−HK$2,047/mo
Today · 4.125%
HK$68,829
baseline
▲ 0.50% · 4.625%
HK$73,017
+HK$4,188/mo
Deposit HK$6.09M · loan HK$14.20M · min. income ≈ HK$137,658/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$778,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,053
−HK$3,893/mo
▼ 0.25% · 3.875%
HK$73,986
−HK$1,960/mo
Today · 4.125%
HK$75,946
baseline
▲ 0.50% · 4.625%
HK$79,949
+HK$4,003/mo
Deposit HK$6.09M · loan HK$14.20M · min. income ≈ HK$151,892/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$778,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,273
−HK$5,221/mo
▼ 0.25% · 3.875%
HK$85,863
−HK$2,631/mo
Today · 4.125%
HK$88,494
baseline
▲ 0.50% · 4.625%
HK$93,879
+HK$5,385/mo
Deposit HK$2.03M · loan HK$18.26M · min. income ≈ HK$176,988/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$778,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,640
−HK$5,005/mo
▼ 0.25% · 3.875%
HK$95,124
−HK$2,521/mo
Today · 4.125%
HK$97,645
baseline
▲ 0.50% · 4.625%
HK$102,792
+HK$5,147/mo
Deposit HK$2.03M · loan HK$18.26M · min. income ≈ HK$195,290/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$778,830 · Scale 2, in force from 26 Feb 2026)