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$46,440
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$47,884
−HK$1,468/mo
Today · 4.125%
HK$49,352
baseline
▲ 0.50% · 4.625%
HK$52,355
+HK$3,003/mo
Deposit HK$10.18M · loan HK$10.18M · min. income ≈ HK$98,704/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$786,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,664
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$53,050
−HK$1,405/mo
Today · 4.125%
HK$54,455
baseline
▲ 0.50% · 4.625%
HK$57,326
+HK$2,871/mo
Deposit HK$10.18M · loan HK$10.18M · min. income ≈ HK$108,910/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$786,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,728
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$57,461
−HK$1,762/mo
Today · 4.125%
HK$59,223
baseline
▲ 0.50% · 4.625%
HK$62,826
+HK$3,603/mo
Deposit HK$8.15M · loan HK$12.22M · min. income ≈ HK$118,446/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$786,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,997
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$63,659
−HK$1,687/mo
Today · 4.125%
HK$65,346
baseline
▲ 0.50% · 4.625%
HK$68,791
+HK$3,445/mo
Deposit HK$8.15M · loan HK$12.22M · min. income ≈ HK$130,692/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$786,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,016
−HK$4,077/mo
▼ 0.25% · 3.875%
HK$67,038
−HK$2,055/mo
Today · 4.125%
HK$69,093
baseline
▲ 0.50% · 4.625%
HK$73,297
+HK$4,204/mo
Deposit HK$6.11M · loan HK$14.26M · min. income ≈ HK$138,186/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$786,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,330
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$74,269
−HK$1,968/mo
Today · 4.125%
HK$76,237
baseline
▲ 0.50% · 4.625%
HK$80,256
+HK$4,019/mo
Deposit HK$6.11M · loan HK$14.26M · min. income ≈ HK$152,474/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$786,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,592
−HK$5,242/mo
▼ 0.25% · 3.875%
HK$86,192
−HK$2,642/mo
Today · 4.125%
HK$88,834
baseline
▲ 0.50% · 4.625%
HK$94,239
+HK$5,405/mo
Deposit HK$2.04M · loan HK$18.33M · min. income ≈ HK$177,668/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$786,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,995
−HK$5,024/mo
▼ 0.25% · 3.875%
HK$95,489
−HK$2,530/mo
Today · 4.125%
HK$98,019
baseline
▲ 0.50% · 4.625%
HK$103,186
+HK$5,167/mo
Deposit HK$2.04M · loan HK$18.33M · min. income ≈ HK$196,038/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$786,611 · Scale 2, in force from 26 Feb 2026)