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$45,957
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$47,386
−HK$1,452/mo
Today · 4.125%
HK$48,838
baseline
▲ 0.50% · 4.625%
HK$51,810
+HK$2,972/mo
Deposit HK$10.08M · loan HK$10.08M · min. income ≈ HK$97,676/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$765,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,126
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$52,497
−HK$1,391/mo
Today · 4.125%
HK$53,888
baseline
▲ 0.50% · 4.625%
HK$56,729
+HK$2,841/mo
Deposit HK$10.08M · loan HK$10.08M · min. income ≈ HK$107,776/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$765,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,148
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$56,863
−HK$1,743/mo
Today · 4.125%
HK$58,606
baseline
▲ 0.50% · 4.625%
HK$62,172
+HK$3,566/mo
Deposit HK$8.06M · loan HK$12.09M · min. income ≈ HK$117,212/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$765,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,352
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$62,997
−HK$1,669/mo
Today · 4.125%
HK$64,666
baseline
▲ 0.50% · 4.625%
HK$68,075
+HK$3,409/mo
Deposit HK$8.06M · loan HK$12.09M · min. income ≈ HK$129,332/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$765,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,339
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$66,341
−HK$2,033/mo
Today · 4.125%
HK$68,374
baseline
▲ 0.50% · 4.625%
HK$72,534
+HK$4,160/mo
Deposit HK$6.05M · loan HK$14.11M · min. income ≈ HK$136,748/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$765,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,577
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$73,496
−HK$1,948/mo
Today · 4.125%
HK$75,444
baseline
▲ 0.50% · 4.625%
HK$79,421
+HK$3,977/mo
Deposit HK$6.05M · loan HK$14.11M · min. income ≈ HK$150,888/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$765,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,722
−HK$5,187/mo
▼ 0.25% · 3.875%
HK$85,295
−HK$2,614/mo
Today · 4.125%
HK$87,909
baseline
▲ 0.50% · 4.625%
HK$93,258
+HK$5,349/mo
Deposit HK$2.02M · loan HK$18.14M · min. income ≈ HK$175,818/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$765,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,027
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$94,495
−HK$2,504/mo
Today · 4.125%
HK$96,999
baseline
▲ 0.50% · 4.625%
HK$102,112
+HK$5,113/mo
Deposit HK$2.02M · loan HK$18.14M · min. income ≈ HK$193,998/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$765,414 · Scale 2, in force from 26 Feb 2026)