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$46,073
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$47,506
−HK$1,456/mo
Today · 4.125%
HK$48,962
baseline
▲ 0.50% · 4.625%
HK$51,942
+HK$2,980/mo
Deposit HK$10.10M · loan HK$10.10M · min. income ≈ HK$97,924/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$770,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,256
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$52,631
−HK$1,394/mo
Today · 4.125%
HK$54,025
baseline
▲ 0.50% · 4.625%
HK$56,873
+HK$2,848/mo
Deposit HK$10.10M · loan HK$10.10M · min. income ≈ HK$108,050/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$770,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,288
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$57,008
−HK$1,747/mo
Today · 4.125%
HK$58,755
baseline
▲ 0.50% · 4.625%
HK$62,330
+HK$3,575/mo
Deposit HK$8.08M · loan HK$12.12M · min. income ≈ HK$117,510/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$770,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,507
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$63,157
−HK$1,673/mo
Today · 4.125%
HK$64,830
baseline
▲ 0.50% · 4.625%
HK$68,248
+HK$3,418/mo
Deposit HK$8.08M · loan HK$12.12M · min. income ≈ HK$129,660/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$770,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,503
−HK$4,044/mo
▼ 0.25% · 3.875%
HK$66,509
−HK$2,038/mo
Today · 4.125%
HK$68,547
baseline
▲ 0.50% · 4.625%
HK$72,718
+HK$4,171/mo
Deposit HK$6.06M · loan HK$14.14M · min. income ≈ HK$137,094/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$770,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,758
−HK$3,877/mo
▼ 0.25% · 3.875%
HK$73,683
−HK$1,952/mo
Today · 4.125%
HK$75,635
baseline
▲ 0.50% · 4.625%
HK$79,622
+HK$3,987/mo
Deposit HK$6.06M · loan HK$14.14M · min. income ≈ HK$151,270/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$770,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,932
−HK$5,200/mo
▼ 0.25% · 3.875%
HK$85,511
−HK$2,621/mo
Today · 4.125%
HK$88,132
baseline
▲ 0.50% · 4.625%
HK$93,495
+HK$5,363/mo
Deposit HK$2.02M · loan HK$18.18M · min. income ≈ HK$176,264/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$770,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,261
−HK$4,984/mo
▼ 0.25% · 3.875%
HK$94,735
−HK$2,510/mo
Today · 4.125%
HK$97,245
baseline
▲ 0.50% · 4.625%
HK$102,371
+HK$5,126/mo
Deposit HK$2.02M · loan HK$18.18M · min. income ≈ HK$194,490/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$770,530 · Scale 2, in force from 26 Feb 2026)