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$47,890
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$49,380
−HK$1,513/mo
Today · 4.125%
HK$50,893
baseline
▲ 0.50% · 4.625%
HK$53,990
+HK$3,097/mo
Deposit HK$10.50M · loan HK$10.50M · min. income ≈ HK$101,786/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$850,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,277
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$54,706
−HK$1,449/mo
Today · 4.125%
HK$56,155
baseline
▲ 0.50% · 4.625%
HK$59,116
+HK$2,961/mo
Deposit HK$10.50M · loan HK$10.50M · min. income ≈ HK$112,310/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$850,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,468
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$59,256
−HK$1,816/mo
Today · 4.125%
HK$61,072
baseline
▲ 0.50% · 4.625%
HK$64,788
+HK$3,716/mo
Deposit HK$8.40M · loan HK$12.60M · min. income ≈ HK$122,144/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$850,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,933
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$65,647
−HK$1,740/mo
Today · 4.125%
HK$67,387
baseline
▲ 0.50% · 4.625%
HK$70,939
+HK$3,552/mo
Deposit HK$8.40M · loan HK$12.60M · min. income ≈ HK$134,774/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$850,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,046
−HK$4,204/mo
▼ 0.25% · 3.875%
HK$69,131
−HK$2,119/mo
Today · 4.125%
HK$71,250
baseline
▲ 0.50% · 4.625%
HK$75,586
+HK$4,336/mo
Deposit HK$6.30M · loan HK$14.70M · min. income ≈ HK$142,500/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$850,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,588
−HK$4,030/mo
▼ 0.25% · 3.875%
HK$76,588
−HK$2,030/mo
Today · 4.125%
HK$78,618
baseline
▲ 0.50% · 4.625%
HK$82,762
+HK$4,144/mo
Deposit HK$6.30M · loan HK$14.70M · min. income ≈ HK$157,236/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$850,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,202
−HK$5,406/mo
▼ 0.25% · 3.875%
HK$88,883
−HK$2,725/mo
Today · 4.125%
HK$91,608
baseline
▲ 0.50% · 4.625%
HK$97,182
+HK$5,574/mo
Deposit HK$2.10M · loan HK$18.90M · min. income ≈ HK$183,216/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$850,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,899
−HK$5,181/mo
▼ 0.25% · 3.875%
HK$98,471
−HK$2,609/mo
Today · 4.125%
HK$101,080
baseline
▲ 0.50% · 4.625%
HK$106,408
+HK$5,328/mo
Deposit HK$2.10M · loan HK$18.90M · min. income ≈ HK$202,160/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$850,201 · Scale 2, in force from 26 Feb 2026)