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$47,894
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$49,383
−HK$1,514/mo
Today · 4.125%
HK$50,897
baseline
▲ 0.50% · 4.625%
HK$53,994
+HK$3,097/mo
Deposit HK$10.50M · loan HK$10.50M · min. income ≈ HK$101,794/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$850,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,281
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$54,710
−HK$1,450/mo
Today · 4.125%
HK$56,160
baseline
▲ 0.50% · 4.625%
HK$59,120
+HK$2,960/mo
Deposit HK$10.50M · loan HK$10.50M · min. income ≈ HK$112,320/mo (50% DSR)
Upfront cash ≈ HK$11.35M (deposit + AVD stamp duty HK$850,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,472
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$59,260
−HK$1,816/mo
Today · 4.125%
HK$61,076
baseline
▲ 0.50% · 4.625%
HK$64,793
+HK$3,717/mo
Deposit HK$8.40M · loan HK$12.60M · min. income ≈ HK$122,152/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$850,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,937
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$65,652
−HK$1,740/mo
Today · 4.125%
HK$67,392
baseline
▲ 0.50% · 4.625%
HK$70,944
+HK$3,552/mo
Deposit HK$8.40M · loan HK$12.60M · min. income ≈ HK$134,784/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$850,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,051
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$69,137
−HK$2,119/mo
Today · 4.125%
HK$71,256
baseline
▲ 0.50% · 4.625%
HK$75,591
+HK$4,335/mo
Deposit HK$6.30M · loan HK$14.70M · min. income ≈ HK$142,512/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$850,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,594
−HK$4,030/mo
▼ 0.25% · 3.875%
HK$76,594
−HK$2,030/mo
Today · 4.125%
HK$78,624
baseline
▲ 0.50% · 4.625%
HK$82,768
+HK$4,144/mo
Deposit HK$6.30M · loan HK$14.70M · min. income ≈ HK$157,248/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$850,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,208
−HK$5,406/mo
▼ 0.25% · 3.875%
HK$88,890
−HK$2,724/mo
Today · 4.125%
HK$91,614
baseline
▲ 0.50% · 4.625%
HK$97,189
+HK$5,575/mo
Deposit HK$2.10M · loan HK$18.90M · min. income ≈ HK$183,228/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$850,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,906
−HK$5,182/mo
▼ 0.25% · 3.875%
HK$98,478
−HK$2,610/mo
Today · 4.125%
HK$101,088
baseline
▲ 0.50% · 4.625%
HK$106,416
+HK$5,328/mo
Deposit HK$2.10M · loan HK$18.90M · min. income ≈ HK$202,176/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$850,360 · Scale 2, in force from 26 Feb 2026)