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$45,893
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$47,321
−HK$1,450/mo
Today · 4.125%
HK$48,771
baseline
▲ 0.50% · 4.625%
HK$51,739
+HK$2,968/mo
Deposit HK$10.06M · loan HK$10.06M · min. income ≈ HK$97,542/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$762,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,056
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$52,425
−HK$1,389/mo
Today · 4.125%
HK$53,814
baseline
▲ 0.50% · 4.625%
HK$56,651
+HK$2,837/mo
Deposit HK$10.06M · loan HK$10.06M · min. income ≈ HK$107,628/mo (50% DSR)
Upfront cash ≈ HK$10.83M (deposit + AVD stamp duty HK$762,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,072
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$56,785
−HK$1,740/mo
Today · 4.125%
HK$58,525
baseline
▲ 0.50% · 4.625%
HK$62,087
+HK$3,562/mo
Deposit HK$8.05M · loan HK$12.08M · min. income ≈ HK$117,050/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$762,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,267
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$62,910
−HK$1,667/mo
Today · 4.125%
HK$64,577
baseline
▲ 0.50% · 4.625%
HK$67,981
+HK$3,404/mo
Deposit HK$8.05M · loan HK$12.08M · min. income ≈ HK$129,154/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$762,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,251
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$66,249
−HK$2,031/mo
Today · 4.125%
HK$68,280
baseline
▲ 0.50% · 4.625%
HK$72,434
+HK$4,154/mo
Deposit HK$6.04M · loan HK$14.09M · min. income ≈ HK$136,560/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$762,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,478
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$73,395
−HK$1,945/mo
Today · 4.125%
HK$75,340
baseline
▲ 0.50% · 4.625%
HK$79,311
+HK$3,971/mo
Deposit HK$6.04M · loan HK$14.09M · min. income ≈ HK$150,680/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$762,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,608
−HK$5,180/mo
▼ 0.25% · 3.875%
HK$85,177
−HK$2,611/mo
Today · 4.125%
HK$87,788
baseline
▲ 0.50% · 4.625%
HK$93,130
+HK$5,342/mo
Deposit HK$2.01M · loan HK$18.11M · min. income ≈ HK$175,576/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$762,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,900
−HK$4,965/mo
▼ 0.25% · 3.875%
HK$94,365
−HK$2,500/mo
Today · 4.125%
HK$96,865
baseline
▲ 0.50% · 4.625%
HK$101,971
+HK$5,106/mo
Deposit HK$2.01M · loan HK$18.11M · min. income ≈ HK$193,730/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$762,635 · Scale 2, in force from 26 Feb 2026)