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$46,430
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$47,875
−HK$1,467/mo
Today · 4.125%
HK$49,342
baseline
▲ 0.50% · 4.625%
HK$52,344
+HK$3,002/mo
Deposit HK$10.18M · loan HK$10.18M · min. income ≈ HK$98,684/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$786,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,653
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$53,039
−HK$1,405/mo
Today · 4.125%
HK$54,444
baseline
▲ 0.50% · 4.625%
HK$57,314
+HK$2,870/mo
Deposit HK$10.18M · loan HK$10.18M · min. income ≈ HK$108,888/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$786,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,717
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$57,450
−HK$1,760/mo
Today · 4.125%
HK$59,210
baseline
▲ 0.50% · 4.625%
HK$62,813
+HK$3,603/mo
Deposit HK$8.14M · loan HK$12.22M · min. income ≈ HK$118,420/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$786,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,984
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$63,646
−HK$1,687/mo
Today · 4.125%
HK$65,333
baseline
▲ 0.50% · 4.625%
HK$68,777
+HK$3,444/mo
Deposit HK$8.14M · loan HK$12.22M · min. income ≈ HK$130,666/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$786,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,003
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$67,025
−HK$2,054/mo
Today · 4.125%
HK$69,079
baseline
▲ 0.50% · 4.625%
HK$73,282
+HK$4,203/mo
Deposit HK$6.11M · loan HK$14.25M · min. income ≈ HK$138,158/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$786,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,315
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$74,254
−HK$1,968/mo
Today · 4.125%
HK$76,222
baseline
▲ 0.50% · 4.625%
HK$80,239
+HK$4,017/mo
Deposit HK$6.11M · loan HK$14.25M · min. income ≈ HK$152,444/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$786,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,575
−HK$5,241/mo
▼ 0.25% · 3.875%
HK$86,174
−HK$2,642/mo
Today · 4.125%
HK$88,816
baseline
▲ 0.50% · 4.625%
HK$94,220
+HK$5,404/mo
Deposit HK$2.04M · loan HK$18.33M · min. income ≈ HK$177,632/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$786,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,976
−HK$5,023/mo
▼ 0.25% · 3.875%
HK$95,470
−HK$2,529/mo
Today · 4.125%
HK$97,999
baseline
▲ 0.50% · 4.625%
HK$103,165
+HK$5,166/mo
Deposit HK$2.04M · loan HK$18.33M · min. income ≈ HK$195,998/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$786,194 · Scale 2, in force from 26 Feb 2026)