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$46,010
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$47,441
−HK$1,454/mo
Today · 4.125%
HK$48,895
baseline
▲ 0.50% · 4.625%
HK$51,871
+HK$2,976/mo
Deposit HK$10.09M · loan HK$10.09M · min. income ≈ HK$97,790/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$767,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,186
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$52,559
−HK$1,392/mo
Today · 4.125%
HK$53,951
baseline
▲ 0.50% · 4.625%
HK$56,795
+HK$2,844/mo
Deposit HK$10.09M · loan HK$10.09M · min. income ≈ HK$107,902/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$767,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,212
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$56,930
−HK$1,745/mo
Today · 4.125%
HK$58,675
baseline
▲ 0.50% · 4.625%
HK$62,245
+HK$3,570/mo
Deposit HK$8.07M · loan HK$12.11M · min. income ≈ HK$117,350/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$767,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,423
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$63,070
−HK$1,672/mo
Today · 4.125%
HK$64,742
baseline
▲ 0.50% · 4.625%
HK$68,154
+HK$3,412/mo
Deposit HK$8.07M · loan HK$12.11M · min. income ≈ HK$129,484/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$767,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,414
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$66,418
−HK$2,036/mo
Today · 4.125%
HK$68,454
baseline
▲ 0.50% · 4.625%
HK$72,619
+HK$4,165/mo
Deposit HK$6.05M · loan HK$14.12M · min. income ≈ HK$136,908/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$767,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,660
−HK$3,872/mo
▼ 0.25% · 3.875%
HK$73,582
−HK$1,950/mo
Today · 4.125%
HK$75,532
baseline
▲ 0.50% · 4.625%
HK$79,513
+HK$3,981/mo
Deposit HK$6.05M · loan HK$14.12M · min. income ≈ HK$151,064/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$767,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,818
−HK$5,194/mo
▼ 0.25% · 3.875%
HK$85,395
−HK$2,617/mo
Today · 4.125%
HK$88,012
baseline
▲ 0.50% · 4.625%
HK$93,367
+HK$5,355/mo
Deposit HK$2.02M · loan HK$18.16M · min. income ≈ HK$176,024/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$767,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,135
−HK$4,977/mo
▼ 0.25% · 3.875%
HK$94,606
−HK$2,506/mo
Today · 4.125%
HK$97,112
baseline
▲ 0.50% · 4.625%
HK$102,231
+HK$5,119/mo
Deposit HK$2.02M · loan HK$18.16M · min. income ≈ HK$194,224/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$767,765 · Scale 2, in force from 26 Feb 2026)