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$45,837
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$47,263
−HK$1,448/mo
Today · 4.125%
HK$48,711
baseline
▲ 0.50% · 4.625%
HK$51,675
+HK$2,964/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$97,422/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$760,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,993
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$52,361
−HK$1,387/mo
Today · 4.125%
HK$53,748
baseline
▲ 0.50% · 4.625%
HK$56,581
+HK$2,833/mo
Deposit HK$10.05M · loan HK$10.05M · min. income ≈ HK$107,496/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$760,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,004
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$56,715
−HK$1,739/mo
Today · 4.125%
HK$58,454
baseline
▲ 0.50% · 4.625%
HK$62,010
+HK$3,556/mo
Deposit HK$8.04M · loan HK$12.06M · min. income ≈ HK$116,908/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$760,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,192
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$62,833
−HK$1,665/mo
Today · 4.125%
HK$64,498
baseline
▲ 0.50% · 4.625%
HK$67,898
+HK$3,400/mo
Deposit HK$8.04M · loan HK$12.06M · min. income ≈ HK$128,996/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$760,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,172
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$66,168
−HK$2,028/mo
Today · 4.125%
HK$68,196
baseline
▲ 0.50% · 4.625%
HK$72,345
+HK$4,149/mo
Deposit HK$6.03M · loan HK$14.07M · min. income ≈ HK$136,392/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$760,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,390
−HK$3,857/mo
▼ 0.25% · 3.875%
HK$73,305
−HK$1,942/mo
Today · 4.125%
HK$75,247
baseline
▲ 0.50% · 4.625%
HK$79,214
+HK$3,967/mo
Deposit HK$6.03M · loan HK$14.07M · min. income ≈ HK$150,494/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$760,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,507
−HK$5,173/mo
▼ 0.25% · 3.875%
HK$85,073
−HK$2,607/mo
Today · 4.125%
HK$87,680
baseline
▲ 0.50% · 4.625%
HK$93,016
+HK$5,336/mo
Deposit HK$2.01M · loan HK$18.09M · min. income ≈ HK$175,360/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$760,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,788
−HK$4,959/mo
▼ 0.25% · 3.875%
HK$94,249
−HK$2,498/mo
Today · 4.125%
HK$96,747
baseline
▲ 0.50% · 4.625%
HK$101,846
+HK$5,099/mo
Deposit HK$2.01M · loan HK$18.09M · min. income ≈ HK$193,494/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$760,167 · Scale 2, in force from 26 Feb 2026)