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$46,466
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$47,912
−HK$1,468/mo
Today · 4.125%
HK$49,380
baseline
▲ 0.50% · 4.625%
HK$52,385
+HK$3,005/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$98,760/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$787,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,693
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$53,079
−HK$1,407/mo
Today · 4.125%
HK$54,486
baseline
▲ 0.50% · 4.625%
HK$57,358
+HK$2,872/mo
Deposit HK$10.19M · loan HK$10.19M · min. income ≈ HK$108,972/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$787,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,759
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$57,494
−HK$1,762/mo
Today · 4.125%
HK$59,256
baseline
▲ 0.50% · 4.625%
HK$62,862
+HK$3,606/mo
Deposit HK$8.15M · loan HK$12.23M · min. income ≈ HK$118,512/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$787,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,032
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$63,695
−HK$1,688/mo
Today · 4.125%
HK$65,383
baseline
▲ 0.50% · 4.625%
HK$68,830
+HK$3,447/mo
Deposit HK$8.15M · loan HK$12.23M · min. income ≈ HK$130,766/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$787,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,053
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$67,076
−HK$2,056/mo
Today · 4.125%
HK$69,132
baseline
▲ 0.50% · 4.625%
HK$73,338
+HK$4,206/mo
Deposit HK$6.11M · loan HK$14.26M · min. income ≈ HK$138,264/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$787,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,370
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$74,311
−HK$1,969/mo
Today · 4.125%
HK$76,280
baseline
▲ 0.50% · 4.625%
HK$80,301
+HK$4,021/mo
Deposit HK$6.11M · loan HK$14.26M · min. income ≈ HK$152,560/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$787,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,639
−HK$5,245/mo
▼ 0.25% · 3.875%
HK$86,241
−HK$2,643/mo
Today · 4.125%
HK$88,884
baseline
▲ 0.50% · 4.625%
HK$94,292
+HK$5,408/mo
Deposit HK$2.04M · loan HK$18.34M · min. income ≈ HK$177,768/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$787,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,048
−HK$5,027/mo
▼ 0.25% · 3.875%
HK$95,543
−HK$2,532/mo
Today · 4.125%
HK$98,075
baseline
▲ 0.50% · 4.625%
HK$103,244
+HK$5,169/mo
Deposit HK$2.04M · loan HK$18.34M · min. income ≈ HK$196,150/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$787,760 · Scale 2, in force from 26 Feb 2026)