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$45,683
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$47,104
−HK$1,444/mo
Today · 4.125%
HK$48,548
baseline
▲ 0.50% · 4.625%
HK$51,502
+HK$2,954/mo
Deposit HK$10.02M · loan HK$10.02M · min. income ≈ HK$97,096/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$753,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,822
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$52,185
−HK$1,383/mo
Today · 4.125%
HK$53,568
baseline
▲ 0.50% · 4.625%
HK$56,391
+HK$2,823/mo
Deposit HK$10.02M · loan HK$10.02M · min. income ≈ HK$107,136/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$753,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,820
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$56,525
−HK$1,732/mo
Today · 4.125%
HK$58,257
baseline
▲ 0.50% · 4.625%
HK$61,802
+HK$3,545/mo
Deposit HK$8.01M · loan HK$12.02M · min. income ≈ HK$116,514/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$753,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,986
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$62,622
−HK$1,659/mo
Today · 4.125%
HK$64,281
baseline
▲ 0.50% · 4.625%
HK$67,669
+HK$3,388/mo
Deposit HK$8.01M · loan HK$12.02M · min. income ≈ HK$128,562/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$753,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,956
−HK$4,011/mo
▼ 0.25% · 3.875%
HK$65,946
−HK$2,021/mo
Today · 4.125%
HK$67,967
baseline
▲ 0.50% · 4.625%
HK$72,102
+HK$4,135/mo
Deposit HK$6.01M · loan HK$14.02M · min. income ≈ HK$135,934/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$753,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,151
−HK$3,844/mo
▼ 0.25% · 3.875%
HK$73,059
−HK$1,936/mo
Today · 4.125%
HK$74,995
baseline
▲ 0.50% · 4.625%
HK$78,948
+HK$3,953/mo
Deposit HK$6.01M · loan HK$14.02M · min. income ≈ HK$149,990/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$753,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,229
−HK$5,157/mo
▼ 0.25% · 3.875%
HK$84,787
−HK$2,599/mo
Today · 4.125%
HK$87,386
baseline
▲ 0.50% · 4.625%
HK$92,703
+HK$5,317/mo
Deposit HK$2.00M · loan HK$18.03M · min. income ≈ HK$174,772/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$753,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,479
−HK$4,943/mo
▼ 0.25% · 3.875%
HK$93,933
−HK$2,489/mo
Today · 4.125%
HK$96,422
baseline
▲ 0.50% · 4.625%
HK$101,504
+HK$5,082/mo
Deposit HK$2.00M · loan HK$18.03M · min. income ≈ HK$192,844/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$753,413 · Scale 2, in force from 26 Feb 2026)