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$46,385
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$47,828
−HK$1,466/mo
Today · 4.125%
HK$49,294
baseline
▲ 0.50% · 4.625%
HK$52,294
+HK$3,000/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$98,588/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$784,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,603
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$52,987
−HK$1,404/mo
Today · 4.125%
HK$54,391
baseline
▲ 0.50% · 4.625%
HK$57,258
+HK$2,867/mo
Deposit HK$10.17M · loan HK$10.17M · min. income ≈ HK$108,782/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$784,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,662
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$57,394
−HK$1,759/mo
Today · 4.125%
HK$59,153
baseline
▲ 0.50% · 4.625%
HK$62,752
+HK$3,599/mo
Deposit HK$8.14M · loan HK$12.21M · min. income ≈ HK$118,306/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$784,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,924
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$63,585
−HK$1,684/mo
Today · 4.125%
HK$65,269
baseline
▲ 0.50% · 4.625%
HK$68,710
+HK$3,441/mo
Deposit HK$8.14M · loan HK$12.21M · min. income ≈ HK$130,538/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$784,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,939
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$66,959
−HK$2,053/mo
Today · 4.125%
HK$69,012
baseline
▲ 0.50% · 4.625%
HK$73,211
+HK$4,199/mo
Deposit HK$6.10M · loan HK$14.24M · min. income ≈ HK$138,024/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$784,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,244
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$74,182
−HK$1,966/mo
Today · 4.125%
HK$76,148
baseline
▲ 0.50% · 4.625%
HK$80,161
+HK$4,013/mo
Deposit HK$6.10M · loan HK$14.24M · min. income ≈ HK$152,296/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$784,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,494
−HK$5,235/mo
▼ 0.25% · 3.875%
HK$86,091
−HK$2,638/mo
Today · 4.125%
HK$88,729
baseline
▲ 0.50% · 4.625%
HK$94,128
+HK$5,399/mo
Deposit HK$2.03M · loan HK$18.31M · min. income ≈ HK$177,458/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$784,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,886
−HK$5,018/mo
▼ 0.25% · 3.875%
HK$95,377
−HK$2,527/mo
Today · 4.125%
HK$97,904
baseline
▲ 0.50% · 4.625%
HK$103,065
+HK$5,161/mo
Deposit HK$2.03M · loan HK$18.31M · min. income ≈ HK$195,808/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$784,216 · Scale 2, in force from 26 Feb 2026)