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$49,254
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$50,786
−HK$1,557/mo
Today · 4.125%
HK$52,343
baseline
▲ 0.50% · 4.625%
HK$55,528
+HK$3,185/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$104,686/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$910,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,795
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$56,264
−HK$1,491/mo
Today · 4.125%
HK$57,755
baseline
▲ 0.50% · 4.625%
HK$60,800
+HK$3,045/mo
Deposit HK$10.80M · loan HK$10.80M · min. income ≈ HK$115,510/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$910,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,105
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$60,944
−HK$1,867/mo
Today · 4.125%
HK$62,811
baseline
▲ 0.50% · 4.625%
HK$66,633
+HK$3,822/mo
Deposit HK$8.64M · loan HK$12.96M · min. income ≈ HK$125,622/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$910,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,754
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$67,517
−HK$1,789/mo
Today · 4.125%
HK$69,306
baseline
▲ 0.50% · 4.625%
HK$72,960
+HK$3,654/mo
Deposit HK$8.64M · loan HK$12.96M · min. income ≈ HK$138,612/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$910,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,956
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$71,101
−HK$2,179/mo
Today · 4.125%
HK$73,280
baseline
▲ 0.50% · 4.625%
HK$77,739
+HK$4,459/mo
Deposit HK$6.48M · loan HK$15.12M · min. income ≈ HK$146,560/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$910,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,713
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$78,770
−HK$2,087/mo
Today · 4.125%
HK$80,857
baseline
▲ 0.50% · 4.625%
HK$85,119
+HK$4,262/mo
Deposit HK$6.48M · loan HK$15.12M · min. income ≈ HK$161,714/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$910,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,658
−HK$5,559/mo
▼ 0.25% · 3.875%
HK$91,415
−HK$2,802/mo
Today · 4.125%
HK$94,217
baseline
▲ 0.50% · 4.625%
HK$99,950
+HK$5,733/mo
Deposit HK$2.16M · loan HK$19.44M · min. income ≈ HK$188,434/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$910,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,631
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$101,276
−HK$2,683/mo
Today · 4.125%
HK$103,959
baseline
▲ 0.50% · 4.625%
HK$109,439
+HK$5,480/mo
Deposit HK$2.16M · loan HK$19.44M · min. income ≈ HK$207,918/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$910,031 · Scale 2, in force from 26 Feb 2026)