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$48,347
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$49,851
−HK$1,528/mo
Today · 4.125%
HK$51,379
baseline
▲ 0.50% · 4.625%
HK$54,505
+HK$3,126/mo
Deposit HK$10.60M · loan HK$10.60M · min. income ≈ HK$102,758/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$870,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,786
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$55,228
−HK$1,464/mo
Today · 4.125%
HK$56,692
baseline
▲ 0.50% · 4.625%
HK$59,680
+HK$2,988/mo
Deposit HK$10.60M · loan HK$10.60M · min. income ≈ HK$113,384/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$870,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,017
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$59,821
−HK$1,834/mo
Today · 4.125%
HK$61,655
baseline
▲ 0.50% · 4.625%
HK$65,406
+HK$3,751/mo
Deposit HK$8.48M · loan HK$12.72M · min. income ≈ HK$123,310/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$870,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,543
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$66,274
−HK$1,756/mo
Today · 4.125%
HK$68,030
baseline
▲ 0.50% · 4.625%
HK$71,616
+HK$3,586/mo
Deposit HK$8.48M · loan HK$12.72M · min. income ≈ HK$136,060/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$870,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,686
−HK$4,245/mo
▼ 0.25% · 3.875%
HK$69,792
−HK$2,139/mo
Today · 4.125%
HK$71,931
baseline
▲ 0.50% · 4.625%
HK$76,308
+HK$4,377/mo
Deposit HK$6.36M · loan HK$14.84M · min. income ≈ HK$143,862/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$870,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,300
−HK$4,068/mo
▼ 0.25% · 3.875%
HK$77,320
−HK$2,048/mo
Today · 4.125%
HK$79,368
baseline
▲ 0.50% · 4.625%
HK$83,552
+HK$4,184/mo
Deposit HK$6.36M · loan HK$14.84M · min. income ≈ HK$158,736/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$870,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,025
−HK$5,457/mo
▼ 0.25% · 3.875%
HK$89,732
−HK$2,750/mo
Today · 4.125%
HK$92,482
baseline
▲ 0.50% · 4.625%
HK$98,110
+HK$5,628/mo
Deposit HK$2.12M · loan HK$19.08M · min. income ≈ HK$184,964/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$870,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,815
−HK$5,230/mo
▼ 0.25% · 3.875%
HK$99,411
−HK$2,634/mo
Today · 4.125%
HK$102,045
baseline
▲ 0.50% · 4.625%
HK$107,424
+HK$5,379/mo
Deposit HK$2.12M · loan HK$19.08M · min. income ≈ HK$204,090/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$870,257 · Scale 2, in force from 26 Feb 2026)